# CNB ST LOUIS BANK
MAPLEWOOD, MO · FDIC certificate 4549 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $812.9M | |
| Deposits | $696.8M | |
| Loans and leases | $659.2M | |
| Total equity | $63.7M | |
| Loans / deposits | 92.81% (p77 of band) | 82.04% |
| Liquid assets / assets | 18.11% (p25 of band) | |
| Uninsured deposits / deposits | 31.29% (p71 of band) | 25.97% |
| Brokered deposits | 3.69% | |
| Wholesale funding | 9.38% (p75 of band) | |
| FHLB advances / assets | 3.32% | |
| Tier 1 leverage | 9.29% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -23.18% (p19 of band) | -8.10% |
| AOCI / equity | -0.87% (p27 of band) | |
| ROA (annualized) | 1.36% (p55 of band) | 1.28% |
| Net interest margin | 3.57% (p31 of band) | 3.91% |
| Efficiency ratio | 59.86% (p46 of band) | |
| Noncurrent loans | 0.57% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 332.91% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 98.18% (p86 of band) | |
| Auto loans | $261,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 89 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 | deposits shrinking | reserve under noncurrent |
| 2012-09 | 1 |  | assets shrinking, deposits shrinking |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | deposits shrinking |  |
| 2015-03 | 2 |  | charge-offs p90, deposits shrinking |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2016-06 | 4 |  | capital falling |
| 2016-09 | 4 |  |  |
| 2016-12 | 2 |  | losing money, expense ratio p90 |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | capital falling, deposits shrinking |  |
| 2018-03 | 2 |  | capital falling, deposits shrinking |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | losing money, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2019-09 | 1 |  | capital falling, losing money |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 4 | wholesale funding >15% |  |
| 2022-12 | 5 | uninsured deposits leaving |  |
| 2023-03 | 4 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling | uninsured deposits leaving |
| 2023-09 | 2 |  | wholesale funding >15%, capital falling |
| 2023-12 | 3 | wholesale funding >15% |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity, wholesale funding >15% |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 3 | wholesale funding >15% |  |
| 2025-06 | 4 | brokered >10% |  |
| 2025-09 | 4 | capital falling | securities losses >30% of equity |
| 2025-12 | 0 |  | construction >100% equity, wholesale funding >15%, brokered >10%, capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2020-10-01 [What drove this St. Louis bank to change its name and charter - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNa2VDQk9RNWhuaC12VTY1VGJKTnpyQUVCNWNydURYWDg0YXA5WXppM2Y0N0IxVzNDWTlDblNaTExQT19sTkM4UGxVZ1UzVHFOU3A2dFR3NE1reENPWUwtdDNCakNLS3JST0RrQUc2UUtMUFEzcjlfTVlyRXV6NHNCSkhqU0JHNF92dXA1am0zRFJOc0ZsQkYzS1JqRXQwT1pJQ3RFV2JHUlc?oc=5) · The Business Journals
- 2025-08-20 [Morning smash-and-grab spree targets South County shops - FOX 2](https://news.google.com/rss/articles/CBMilAFBVV95cUxQR1pTd0JiYTBNa01MVHhyUEY2ZkJfYW9vdmtGdjIzZXRmUU1kbUdYY0hwbG84dU1BcXpXTXFrWlhOWnBHN3lmZDF1dkNiV2ZaUWlTLXMyeExZeVVMSGgxamJJYTdvZHBCbTJBZDZSQnloV0pUajgtakwyVGdXRjc0MGU4SXd1ZzN1X3RFdTIwMWRtWVpW0gGaAUFVX3lxTFAwMHBxRm56OUpnbHBMWTNLOUROY2s1OTNLZlpWUGRGUFpmN1JvRjFKWElVTWJ4T09sUURVUnFLWGVqWDJPbXp1QVNTbkxiTjFfdEozcDFJVmRqVndELXBVTDZzazVhOGFCZWszcUlUZmhwVVJoVWhtYTdpYXE1SXRMZUt1MDA1ZmNOdUp5dm1Yc1hSbDRTTDNPY0E?oc=5) · FOX 2
- 2021-09-27 [Bevo Mill Purchase & Renovation - St. Louis Economic Development Partnership](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5sTTJKOEdZeUxUdWRFeVRCVFFsbWR4bm9SbE1VaHFLWHF5ckRoN090bEZCUFBmZFNjbFVuYVE5Y0lRVWtnTzU2U3RId3ZkVkV4WE51Z2pEY1RXa1RyNGQ2ZVNkYjY2eDhu?oc=5) · St. Louis Economic Development Partnership
- 2023-07-03 [Let Them Eat Art returns to downtown Maplewood on July 7 - St. Louis Magazine](https://news.google.com/rss/articles/CBMipwFBVV95cUxOakQ5V3NNaFFWYjhKR3E5Z04xdWZueEhnc0F2OEVsUUNxX1RDcTF2Y0pNTGRLcDRTUVV1OGo1S2FKelMzbWZXQlJ3NmFxZ2YyalcyY2c3SkRLNUtoSkc0SlNKN0NfWkNULXZfX00zVWJlX0J1N21OWm5FWlhvMVdPQm5lQUdhYmI2Tk5tM29GNUpnUElwZEtGZnkzQVRPSE1aVklabVd3SQ?oc=5) · St. Louis Magazine
- 2023-09-08 [Need for a 'more profitable bank' linked to firing of local CEO - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQcjhNRFhidW9qWXlwUndMeW1RWVREbUxhZjFOc0pJdFdhaE41Vk5sZE9GNG5KZmd6dWhHbi1EeFd3dVUwRVp1ZklVUHJocUR3RmZvbHpxM0NzYUpZekgwMF8wSEZhaXJKR0xha004c1I2UmlDMTRsa0N4SnJ6cXU2WkdRVmxXZm85MVhGRG40dUJUUndlU0dWeWFlcjNaRmFjUDFudC03QlJSUQ?oc=5) · The Business Journals
- 2026-07-13 [Louis Bernard "L.B." Eckelkamp Jr. Obituary (2026) - Washington, MO - Oltmann Funeral Home - Washington - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNQkgxVlAyYnJ6YndycFhQR2xyMGdZclE5dVpEZXF3dnNyYWpxOFNVcVlia21pSXNFbmJ0ZmFPZlN0Vks4Vm1hdkp4WFBGN1RIdFI4MWpSUU5WNlM3WmJhMlo1bUUzanJTT1ZzR2hpZThPS3RCZnd6SExxZG1Yamx5VWh4WVg?oc=5) · legacy.com
- 2021-02-18 [St. Louis People in Business: Feb. 19, 2021 - stltoday.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPMFRxUWw3N0Y2czdGYXFLcm9GYm1OYnc2N29BelVwdF95RnFpSnpjTEMzM2RIR0RNOEU2ZjVPbUpweDVySnV3SExNMVp3YTVnUng1enpCay14S3NEVjZQc25jRmFtOUFvOEhGZjNmSU50dE81WjVFbk5Nd09rTGNMZ1RwUzVYdzNERW9naHVtRjlpNVA4UUNPbHptREdhQQ?oc=5) · stltoday.com
- 2026-07-13 [L.B. Eckelkamp Jr., Washington leader and NorthSide Regeneration lender, dies - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdEo1UFpHZF9WM2Z4SFFvS1c3YmVGeTdmY1FlX0xMRUgzSHJRMWdyRVJiLWQ1eVluMjRLc2RTbW5XZW53LWI4alpERkZ6S2ZsYTZTSl9JOTVOckhuSmZQcUVLR0RqX3ViRlZXT0ZDTU42ZnBnOFlhRWRIbV91TFR5SXR4WUFXVS1OZ2ZoeDRVRkgwbG1EeWJYdDctbHpjZ1NvS1I4?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4549 (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/5.json (key "4549", 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.

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