Headquartered in Saint Louis, Missouri, St. Louis Bank is a state-chartered bank with $1.1B in total assets and $995.3M in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 2005.
Based on its Q2 2026 filing, St. Louis Bank scores 38/100, which we describe as low. That is higher than only 1% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 192nd. Its strongest component is funding & liquidity (61/100; 90% loans-to-deposits, 24% uninsured), and its lowest is loan quality (4/100; 2.87%).
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
From Q2 2025 to Q2 2026, the score fell 14 points (52 → 38), mostly because the loan quality component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 52 |
| Q3 2025 | 49 |
| Q4 2025 | 49 |
| Q1 2026 | 47 |
| Q2 2026 | 38 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.74% |
| Q3 2024 | 9.29% |
| Q4 2024 | 9.48% |
| Q1 2025 | 8.46% |
| Q2 2025 | 8.63% |
| Q3 2025 | 9.06% |
| Q4 2025 | 9.49% |
| Q1 2026 | 8.60% |
| Q2 2026 | 8.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.80% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.91% |
| Q4 2025 | 1.91% |
| Q1 2026 | 2.05% |
| Q2 2026 | 2.87% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.01% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.98% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 38 | $1.1B | 8.81% | 2.87% | 0.92% | 90.2% |
| Q1 2026 | 47 | $1.2B | 8.60% | 2.05% | 0.99% | 83.4% |
| Q4 2025 | 49 | $1.0B | 9.49% | 1.91% | 0.98% | 94.1% |
| Q3 2025 | 49 | $1.0B | 9.06% | 1.91% | 0.94% | 92.3% |
| Q2 2025 | 52 | $1.1B | 8.63% | 1.57% | 0.98% | 84.3% |
| Q1 2025 | 60 | $1.1B | 8.46% | 0.80% | 1.01% | 79.8% |
| Q4 2024 | 60 | $955.0M | 9.48% | 0.83% | 0.98% | 92.8% |
| Q3 2024 | 62 | $927.9M | 9.29% | 0.76% | 0.98% | 91.0% |
| Q2 2024 | 61 | $962.8M | 8.74% | 0.53% | 0.94% | 86.7% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Triad BankBank Frontenac, MO | 68 out of 100, Moderate | $1.1B | 10.7% | 0.21% | vs |
| Parkside Financial Bank & TrustBank Clayton, MO | 77 out of 100, Strong | $1.1B | 13.0% | 0.00% | vs |
| Bank of WashingtonBank Washington, MO | 44 out of 100, Below average | $1.1B | 12.5% | 3.50% | vs |
| Mid America BankBank Jefferson City, MO | 70 out of 100, Strong | $1.2B | 10.8% | 0.89% | vs |
| Montgomery BankBank Sikeston, MO | 70 out of 100, Strong | $1.2B | 9.7% | 0.44% | vs |
| Royal Banks of MissouriBank Saint Louis, MO | 70 out of 100, Strong | $1.0B | 10.9% | 0.16% | vs |
Deposit insurance
Is my money safe at St. Louis Bank?
Yes. St. Louis Bank is an FDIC-insured institution (FDIC certificate #58018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.6% of deposits ($234.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.25% (benchmark: 10%).
2 locations
Branches
St. Louis Bank lists 2 offices in 2 cities across 2 states. Most locations:
- Edwardsville, IL (1)
- Saint Louis, MO (1)
Identity & history
Profile
- Legal name
- St. Louis Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58018
- RSSD ID
- 3354599
- Primary regulator
- FDIC
- Holding company
- St Louis Bancshares Inc
- Established
- June 6, 2005
- Headquarters
- 9811 S 40 Dr, Saint Louis, MO 63124
- Website
- www.stlouisbank.com
- Employees
- 65
Quick answers
St. Louis Bank: common questions
Is St. Louis Bank FDIC insured?
Yes. St. Louis Bank is an FDIC-insured institution (FDIC certificate #58018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is St. Louis Bank's TellerScore?
38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has St. Louis Bank ever failed?
There is no failure record for FDIC certificate #58018 in the FDIC failed bank list.
How many branches does St. Louis Bank have?
2 offices as of the latest FDIC data, in 2 states.
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 |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |