# ST LOUIS BANK
SAINT LOUIS, MO · FDIC certificate 58018 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $1.11B | |
| Deposits | $995.3M | |
| Loans and leases | $909.1M | |
| Total equity | $95.9M | |
| Loans / deposits | 90.15% (p60 of band) | 87.10% |
| Liquid assets / assets | 14.75% (p22 of band) | |
| Uninsured deposits / deposits | 23.58% (p26 of band) | 30.76% |
| Brokered deposits | 37.84% | |
| Wholesale funding | 37.84% (p98 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.81% (p9 of band) | 10.50% |
| Unrealized securities loss / equity | -6.62% (p55 of band) | -7.75% |
| AOCI / equity | -1.50% (p9 of band) | |
| ROA (annualized) | 0.92% (p25 of band) | 1.26% |
| Net interest margin | 3.42% (p32 of band) | 3.70% |
| Efficiency ratio | 56.82% (p42 of band) | |
| Noncurrent loans | 2.87% (p96 of band) | 0.51% |
| Net charge-offs (annualized) | -0.02% (p4 of band) | |
| Reserve coverage of noncurrent | 45.43% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 103.27% (p89 of band) | |
| Auto loans | $291,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | brokered >10%, wholesale funding >15%, leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  | leverage <7%, losing money |
| 2011-09 | 8 | leverage <7%, losing money |  |
| 2011-12 | 6 |  | wholesale funding >15%, leverage <7% |
| 2012-03 | 7 | wholesale funding >15%, deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2012-06 | 7 |  |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 7 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-03 | 6 | capital falling | losing money, expense ratio p90 |
| 2013-06 | 4 |  | construction >100% equity, capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | deposits shrinking |  |
| 2014-06 | 4 |  | deposits shrinking |
| 2014-09 | 5 | expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2014-12 | 4 |  | wholesale funding >15% |
| 2015-03 | 3 | wholesale funding >15% | expense ratio p90, charge-offs p90 |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 5 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2015-12 | 3 |  | reserve under noncurrent, construction >100% equity |
| 2016-03 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 5 | losing money, construction >100% equity, uninsured deposits leaving |  |
| 2018-03 | 3 | capital falling | losing money, construction >100% equity, uninsured deposits leaving |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | charge-offs p90 |  |
| 2019-03 | 3 | capital falling | charge-offs p90 |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | loans exceed deposits, expense ratio p90 |  |
| 2020-09 | 3 |  | expense ratio p90 |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | assets shrinking | wholesale funding >15% |
| 2022-03 | 3 | wholesale funding >15%, charge-offs p90 | assets shrinking |
| 2022-06 | 3 | capital falling | charge-offs p90 |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 5 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 2 |  | loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 2 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | reserve under noncurrent, construction >100% equity |  |
| 2025-09 | 4 | noncurrent p90 | construction >100% equity |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | construction >100% equity |  |
| 2026-06 | 5 |  |  |

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

- 2026-08-29 [One of downtown's biggest office buildings has a new owner - KSDK](https://news.google.com/rss/articles/CBMigAJBVV95cUxPRWZkVlpWY2hjTUVZS19jQjNtcVNCYTdfY1ZmdFR0Wm92QU5ZTmdHTFFXejlHS0dFSDktMld0LXl4UUhDdnN4SEtNeUFSOUExT0g4YUJoVmF3bGlxYW83YjNxT3BkVWZkWTJmVFBNdDhCQ1dOLUVXT3B1Q01vTnd1QWZtYXhfWjJ4Umo0RmtGWkJIOWZfaEVlTnV4ckdKZDlXYjdBT3FsUGl6Yk83R09oNTZvN2xFM2tvcFVaNk1rQWM4VmFQb0hMc3BRa19OYjFITDdVQmxoV0dfdm5ib1dMWklwc0U0UnRjaGdHT0REbFNrODVOM01KQ3NSMHk1QUVs?oc=5) · KSDK
- 2026-05-15 [Former Saint Louis Bank CEO exits legal tech startup - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONVhEcmFwUFdnaXpWTndiSEhrWVpSYjlrTUtXbzUwTHNrcVF5RGVQQXZraE1VNmxzQU9TSmpRMWRtR0o3RW5fUnR5MzFLN1ExYkwyZEtuSjZXVVpvQzNka2lGTnpzb3VXbGJlWnpuN0xWeXVRU3A0VGc0NEE5a2NPVVFVLXlpbkczc2ZlSE9YRHp0LUY2SUNha1ZDZ1ZlYzVfeXYydXFybFg?oc=5) · The Business Journals
- 2026-05-25 [Downtown St. Louis office building heads to auction after foreclosure - stltoday.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcGhvWmd3cjI1VDFxb1ZHeURaRUxzaHpmVmZwdWhrVzJzRXFfVXRqcm1OeGxuUm1GMzRpWmVLYmdXRzlWd3VBNHNuZUJwZ1UzeTQzd1ZBWFZ6WnpsWDZobVRFUHNza08xWkM4NFpnXzE3ODYyTmRXbmhwQU1lM1Mxa3prRTdMNDI1eVE1NDFzeHhTbjdxdVk3cWNn?oc=5) · stltoday.com
- 2025-10-15 [Man accused of robbing bank in St. Louis City - KMOV](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVEpHZnFwS2dPZEFhOENuQ0pvTDhCU0RON2EzNkNBQUFFZVVJOFhQSWZOLVpMV1ZZZ18tWWNPV1ZidlEzS3M5eEFzMDBGSktaRE53ODJNWmtGRm1xVEkxTHpGaEhhNnBPUnk0RWFaM2lSR1gyLXE3WTFBMXQtNHlVSzZFWDVONGZXa09penlUc1ZqQQ?oc=5) · KMOV
- 2026-04-15 [Corporate Philanthropy Awards 2026: How a St. Louis bank is helping young workers keep more of their earnings - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQREhaMjh1UDhvVlB2ZkhhRzBnLTZ1UGRIbWEwekxBYXN5Z3l2ZHBsUExfTkNyNHluemlOYWNfdlc4VW80cV9GeXhSWHRBU0R3c3lpQkUzUTJPdE1WVEE1enZXRHU2S0ZYMEtqZmhNSEFROTl4S1ZPSWVsaWhiQTlMUmdHRzFWbU9lbFVHQVJwVm5kQm5MR21kR0ZtWFEyMkp3dlVQTmM4NjJueGc?oc=5) · The Business Journals
- 2018-12-05 [Missouri bank recruits veteran banker to join its board - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQmZQdGxOSGQtMFNzU2lJWUxjNFo0TjFqUEVQWWdqS0x5RlhHVm5HOG9Zek54VFdaVUUzbXh5R0gxdmhabU1DUEQ4Wm1QMnRnTmRQMDlvcU1kT04xRy0wUEdoMG02bktPcmZDLWJJX05tWU9wQS1LX0lvc2MyUmlPOWxPT1lSb3NxeWFwZTc1T0lkUnhCMHc?oc=5) · American Banker
- 2025-03-22 [Then & Now: The scenes of the 1959 film ‘The Great St. Louis Bank Robbery’ - FOX 2](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZThJQzdaUWtaVzVXY1dZR09lUlI5b3IyTVA1NTdsQnFsajRjZkRDaXBJbW90WXRZVVZCbmhVa2ZlSldNSnpYM3h1TzlxRFdYamREUUt4YXdnWkh2emtLd3NhblUtVTRiUjVFUlJ3U2czdXhDZjQ0U2F2eGFVY3o1NGF2bmtGR05TLWNBSTRhRHhnX0tES2hPUUJrVU4xOXNLVEQ4WWh30gGrAUFVX3lxTFBmVE51ODdlVzZtQjZyeWtORVpPOFlhX1RfS3JnaEY3cU1kQkhRdUthQUtrTUZqcDFtMFBmeHBTbWRfX2VzLUNYTVpoeXZ5TmNDTUdmZUZEaTgyUFZEMFJJSy1QbHAwTHhEVEZ2R01VaWRUc291Wk9zYWdmbFBpSUJGQ05oZGFzc3VnOXVnMGpJNGVRRkNHWkNrOUJFalNkMl8ycDdKRTFBTFlfQQ?oc=5) · FOX 2
- 2026-01-16 [Bank of Missouri acquiring Clayton-based M1 Bank to expand into St. Louis market - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbjVvVTVELVhlNGlWT0FnWWkzZXMzeG9HelVyMHQwZElBaXpZVzVTdFFyTkpfcGppU0RuRlRvQThTaXNzVHBaekIya1BvelBnZXpIR1dRc3NOQTQ4WjFkTnBrVzFic01nNWEzWm1tRlpwNklZeHFYMTdBaGZ6RWE1REFDekVHTm5zNFdnOHlKZkRHckRSMzBOMlpSSjN3RkdiWXk2YWpQSzAzQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58018 (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/34.json (key "58018", 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