St. Johns Bank and Trust Company (FDIC certificate #8898) is based in Saint Louis, Missouri. Its Q2 2026 call report shows $297.1M in total assets and $260.1M in deposits and 4 offices.
St. Johns Bank and Trust Company has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 186th. Funding & liquidity contributes the most (75/100, 84% loans-to-deposits, 16% uninsured); loan quality contributes the least (0/100, 3.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (48 → 47).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 45 |
| Q4 2024 | 46 |
| Q1 2025 | 47 |
| Q2 2025 | 48 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 48 |
| Q2 2026 | 47 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.16% |
| Q3 2024 | 10.57% |
| Q4 2024 | 10.89% |
| Q1 2025 | 11.22% |
| Q2 2025 | 11.42% |
| Q3 2025 | 11.62% |
| Q4 2025 | 11.76% |
| Q1 2026 | 12.19% |
| Q2 2026 | 12.27% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.24% |
| Q3 2024 | 3.21% |
| Q4 2024 | 3.13% |
| Q1 2025 | 3.07% |
| Q2 2025 | 3.06% |
| Q3 2025 | 1.90% |
| Q4 2025 | 1.93% |
| Q1 2026 | 3.34% |
| Q2 2026 | 3.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $297.1M | 12.27% | 3.28% | 0.55% | 84.3% |
| Q1 2026 | 48 | $295.7M | 12.19% | 3.34% | 0.73% | 85.2% |
| Q4 2025 | 58 | $305.1M | 11.76% | 1.93% | 0.87% | 82.8% |
| Q3 2025 | 58 | $306.2M | 11.62% | 1.90% | 0.85% | 81.7% |
| Q2 2025 | 48 | $305.0M | 11.42% | 3.06% | 0.86% | 84.5% |
| Q1 2025 | 47 | $305.3M | 11.22% | 3.07% | 0.81% | 83.2% |
| Q4 2024 | 46 | $310.2M | 10.89% | 3.13% | 0.82% | 82.6% |
| Q3 2024 | 45 | $310.6M | 10.57% | 3.21% | 0.84% | 83.6% |
| Q2 2024 | 61 | $316.4M | 10.16% | 1.24% | 0.85% | 83.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United State BankBank Lewistown, MO | 80 out of 100, Strong | $290.1M | 10.5% | 0.07% | vs |
| Century Bank of the OzarksBank Gainesville, MO | 74 out of 100, Strong | $305.3M | 8.8% | 0.19% | vs |
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |
| Commercial BankBank Saint Louis, MO | 51 out of 100, Below average | $282.9M | 7.9% | 1.00% | vs |
| Goppert Financial BankBank Lathrop, MO | 76 out of 100, Strong | $312.0M | 10.1% | 0.00% | vs |
| Ozarks Federal Savings and Loan AssociationBank Farmington, MO | 76 out of 100, Strong | $277.2M | 15.1% | 0.95% | vs |
Deposit insurance
Is my money safe at St. Johns Bank and Trust Company?
Yes. St. Johns Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.7% of deposits ($40.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
St. Johns Bank and Trust Company lists 4 offices in 4 cities. Most locations:
- Bridgeton, MO (1)
- O Fallon, MO (1)
- Saint Louis, MO (1)
- St. Peters, MO (1)
HMDA 2025
Mortgage lending
In 2025, St. Johns Bank and Trust Company reported 44 home-loan applications under HMDA (LEI 549300RQ21ZFLCALGC21): 41 originated ($14,995,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- St. Johns Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 8898
- RSSD ID
- 173557
- Primary regulator
- FDIC
- Holding company
- Unity Bancshares L L C
- Established
- January 1, 1926
- Headquarters
- 8924 Saint Charles Rock Rd, Saint Louis, MO 63114
- Website
- www.stjohnsbank.com
- Employees
- 75
Quick answers
St. Johns Bank and Trust Company: common questions
Is St. Johns Bank and Trust Company FDIC insured?
Yes. St. Johns Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is St. Johns Bank and Trust Company's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has St. Johns Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #8898 in the FDIC failed bank list.
How many branches does St. Johns Bank and Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Louis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| State Employees Community Credit UnionCredit union Alton, IL | 89 out of 100, Very strong | $6.7M | 20.0% | 0.00% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |