# CENTRAL BANK OF ST LOUIS
CLAYTON, MO · FDIC certificate 4534 · asset band $1-10B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.45B | |
| Deposits | $1.77B | |
| Loans and leases | $1.75B | |
| Total equity | $253.8M | |
| Loans / deposits | 97.23% (p92 of band) | 74.28% |
| Liquid assets / assets | 24.14% (p28 of band) | |
| Uninsured deposits / deposits | 31.46% (p48 of band) | 32.26% |
| Brokered deposits | 0.78% | |
| Wholesale funding | 15.36% (p91 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.14% (p38 of band) | 9.58% |
| Unrealized securities loss / equity | -0.02% (p37 of band) | 0.34% |
| AOCI / equity | -0.29% (p75 of band) | |
| ROA (annualized) | 1.60% (p78 of band) | 1.23% |
| Net interest margin | 3.14% (p43 of band) | 3.24% |
| Efficiency ratio | 53.46% (p29 of band) | |
| Noncurrent loans | 0.20% (p29 of band) | 0.38% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 744.98% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 45.48% (p54 of band) | |
| Auto loans | $237,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $68.1M (27% of equity) (p96 of band) | |
| Deposits YoY | 11.2% | |
| Employees | 236 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | reserve under noncurrent |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 2 | wholesale funding >15%, reserve under noncurrent | loans exceed deposits |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | loans exceed deposits |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | loans exceed deposits |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | loans exceed deposits |  |
| 2014-03 | 1 |  | loans exceed deposits |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2017-03 | 3 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2017-06 | 2 | uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2017-09 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2017-12 | 3 | wholesale funding >15%, deposits shrinking | charge-offs p90 |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | wholesale funding >15% |
| 2018-09 | 1 |  | deposits shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | wholesale funding >15% |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | wholesale funding >15% |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | wholesale funding >15%, capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | capital falling | loans exceed deposits |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-20 [Central Bancompany raises $373M in IPO to fuel bank acquisition strategy - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNbHNzcHQzeElLVDg2WFF3NzU5eVJHOUZBenVPWjlrNUlEMjFjbE9pQ3JVZ3Z6aFV5Z3Z0aGp0UXdfS3ZfVnJxd3FzSVFhZUVyS0NTV3ZFNHdlNEZoS0Y4dWZLWGVmUThQTjE2M196RnlQOHlfUjlUTnJhcVBtbzdCdGU3c01zYVhuRFkzZE9IY19WSF9UTk9oSEdZZWRVbmZ1bDBCaG13?oc=5) · The Business Journals
- 2025-10-13 [Central Bank of St. Louis parent plans to go public, eyes acquisitions to fuel growth - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPNmhCV3RGbGRBUTNEbU9TOEE5VWxTVmtLQjlKSDM0WDZtT29BMjVmR3gzX2s2Y0ViS2FZN1F6RkZxUnA0TmRlSU1UcDN1LXVaOVZFZFZ2TV9YbG9WeHZwSmlYaHJoY0VwenhLUElOVHN3NVBac0pLTFRnamNmVXhCTmJsN3BIaVU5QVBZdXpfaHFHckE?oc=5) · The Business Journals
- 2021-02-17 [Central Bank of St. Louis' new president on what's working — and what's worrisome — in the St. Louis economy - KSDK](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQVWt6R2JRd3cxS1lVOGxwaVpiT0dkWWR5ZWUySkVRWktUWlBsbVBFZnFqUUItVHh4encxN0xnNkg4aXFIZE1mWDJNYUFlSEdhSUp0R29SaE9JRkFpdE53enJ2YUoxeXVQQ2NmbEh6ZWRNNk13LUlWX0JyLTVLZ0k0OUpxS2IxR1UtcldiV2x6MEhNbmJ6cGY1dllZYlI3Y0drb0UtcGRZb2pPQzc1bkFmN2RjanFjbU44TmpweFg4VUpXZ3plTFZLUXYzQkhxc0hOeFpFR3VCTkxxNUU5OTRJRHEyU0ZfaDQ?oc=5) · KSDK
- 2021-02-16 [Mason is branch manager for Central Bank of St. Louis - St. Louis American](https://news.google.com/rss/articles/CBMirgFBVV95cUxPeEtTalRwQUhhSkZIRGM1U0FYUmJhTk1EeXJ2UnpfdURtNTh1YXlEckpxTHlobnpNOXBWVEtvRkVIeWJTYndGM19kSzVDcFJWNGdkY2ZPaUM0YjlVZkZ5elJDOFVheG80Mzl1TXdoWDF1QUNRazEzNEE2amdkMFpHZXlXUzUyZFRHTTFXR0pWQVlrMHl6c0Nob3N0ZFdSMUNRLTRYRWN1YzZ3Y3MzNUE?oc=5) · St. Louis American
- 2019-10-02 [Central Bank acquires Platte Valley Bank - The Platte County Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZWJ2TXRIc29pRnlLT0tuUEEyZmhua01jRUZTTVJpZWNObjdQTFFkY3piUHdxZ2xhcGtNWlpsNlN2OHBhalk5eEpDRUkzSEYyTTE3SkZaeW5obXkxSHlTY1VUdVBTcnRCcEpJZlZYcndFX2hFX2N6Z2JmNGFaM2hKQVFUN2JZYzVWUUdFeF9TRTBhOTVtOVJURXM1bDFwWE9Zcnp4WlRvWk4?oc=5) · The Platte County Citizen
- 2015-02-03 [Second Annual Financial Empowerment and Job Fair - stlouis-mo.gov](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPbm9nc1F6OVRmWU1peU5UNXVWRXVDQmhOdzV3OFFDS3Vpc1lxcnVEaXBhV245cnZjWW92VEcxUUpLc1psb1FzSUV6ZXliOFlwQ1pvcFdSc3hMcldmckhkWjVfMVlpZVJXeXpYTHh6N05mTlJUNTFoLTlOLU1OY24zN1JTVjFDSXhPTE1KRFpwSWZ2ODhILVpCUGpLRDZTdGdwVGY3TmYxSFU3UzE1bGNOUXY1dURSeTRf?oc=5) · stlouis-mo.gov
- 2017-02-23 [Central Bancompany aquires Bank Star One - KRCG](https://news.google.com/rss/articles/CBMiekFVX3lxTE42aWVMTGwxYzRCU0hYUjVzdzlSMW1UcnlORVBmTVA1aEo2R3UtS1BMVkJZN2NZdEdvcDczbW1tYVZDeThTZm52ZTZrT0NjQ2NpdW16WC05UExETW5yWGtLY0k3Q09DRjZhY2FQTmdQMElHNmhSaFh3THhn?oc=5) · KRCG
- 2025-11-04 [Central Bancompany aims to raise $427M in IPO, fueling acquisition strategy - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPYm02T2x2dk1IdjJyakJBUi1wcU1PM191MHowRXFZRGRrWU5GSXBPOEJSQzJKTkd0Qkpra2JCREtRZHQtQjBVMXd2cW14Q01FNnpRWC1CU2twamt1Tk5tNGhQa1BjRGhiTi1HdFd5Q2U4UUJNVnpuc1Nyc29ONElqWko1MWU3SVhxck5pQzJVN3JWM0RwRXE5M3huRXpFTjJOVDFtOGU0OXJWUQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4534 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "4534", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide