# SCOTTRADE BANK
SAINT LOUIS, MO · FDIC certificate 58656 · asset band $10-100B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $17.01B | |
| Deposits | $15.59B | |
| Loans and leases | $4.34B | |
| Total equity | $1.36B | |
| Loans / deposits | 27.69% (p2 of band) | 89.78% |
| Liquid assets / assets | 73.59% (p98 of band) | |
| Uninsured deposits / deposits | 12.78% (p20 of band) | 34.53% |
| Brokered deposits | 91.68% | |
| Wholesale funding | 91.68% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.95% (p10 of band) | 9.60% |
| Unrealized securities loss / equity | -0.21% (p58 of band) | -0.27% |
| AOCI / equity | 1.94% (p96 of band) | |
| ROA (annualized) | 1.35% (p84 of band) | 1.05% |
| Net interest margin | 1.45% (p7 of band) | 3.22% |
| Efficiency ratio | 30.70% (p9 of band) | |
| Noncurrent loans | 0.34% (p21 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 147.08% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 1.45% (p18 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p15 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 143 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | leverage <7% |  |
| 2013-06 | 6 | AOCI drag >20% of equity |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 4 |  | capital falling, AOCI drag >20% of equity |
| 2014-06 | 4 |  |  |
| 2014-09 | 3 |  | leverage <7% |
| 2014-12 | 5 | deposits shrinking, assets shrinking |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 3 |  | deposits shrinking, assets shrinking |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 3 |  |  |

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

- 2015-08-21 [Treasurer’s Office Launches the Financial Dignity Center in City Hall - City of St. Louis, MO (.gov)](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOOUI3X2ZjWlNod0xxSmtPdTZPUXNpbk0wcGF6NU1wd215M081eXBuSFlBV1pKMHdSdzVxcG1seXZRQ2w4X3RRV2NCeFhSY1piV0dHV1ZXMF82MnR2M1k1MzhwYWhueUI5Unh6X2RJbU84Y3doUDlkX0lXak42cEFKS0g0VjdxWUpMdHJVVnBzcmxfRnFnRXQxenItb004amNoWXNoNDIyZUpERDlaOTYzV1Y3bGw4em91UXFWeFEzVGdvN3ZETjFXTkN1UTlpVUM3elE?oc=5) · City of St. Louis, MO (.gov)
- 2016-10-24 [Scottrade To Sell To TD Ameritrade For $4 Billion - Forbes](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeE1faVdOLTlGVjNMd3FMZldDOXJrMjZ5TUhGWVZSX1hPYkJQeUJ2a2tYaEpQLVRwajJyUVM4Y1NwWnVhNXBXRGZJR21fWUZoZVVGZ3JqU2dfOUwyeEx5cWFPLTI4RU9jWGZaUUkzOUl0aGJkRjVQV3dVV09SVTBtQVBUVVdTQWNpTURTaHZTa2RWMW8?oc=5) · Forbes
- 2016-10-24 [Scottrade to be sold to TD Ameritrade in $4 billion deal - STLPR](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOU2NvQUI5NGhmZEdWNTlQd0tSbWlBb2dOQ1p3ZmJFUTRBRlJmdHFLR1hjLVJoZXFqblFvbE9hUkV6T3h4QTBabVZPSWlYZFhqSEsyWTBLVXMwTzZsejVBcjhIOGNycTlHVEdWbUkzV2ZFYlpEMXptaGxBaVBoZG4tTVpVd1dYWmNtT3V5ZjA1cEhJNldKZUZCajRzNFhubXN2VnhJZFBWTjc?oc=5) · STLPR
- 2016-10-24 [How Scottrade grew through the years - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxQXzVaQ0t4Z2lzRXJOTUpzZzBJY3J0OXRkTG4wcFhkUWRKX251RnVBa05xUkRubnJCUGx4bWp0MVNNbmNZZFJoWnpSNkptVlA4eEtQNFdwY2RnaXZtVmgxd2NCUm1fM0Q1UjA3MlBzZEtucWlIV2lZQ2dXYlA0clFXNnBfcFN0d3oxdnhRSTN5Y1k1VTV2YWp1Rg?oc=5) · The Business Journals
- 2015-05-12 [Profits fall 14 percent at St. Louis banks on loss at Boulevard - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRFljemFxNGx2NVpkd01wQmRFeVR6QWY3cjlhTXhBVHNNR19uMTB1bWdYYXdBMFAzVmN0NXEyTjN6OERoR0tPWHZBeUtCWDg5UHRSVDVRc1hGWHhJUVJkbUJlLW5PeDRiUkJab3dMbnAwZVEycnhQYWlQbE5KcXZHaDZrdWtIaHl3VkNxN2NGN1RpZ1FwMmtVQ1ZLZXRDak1BbER3OWdR?oc=5) · The Business Journals
- 2018-09-25 [Simmons Bank grows loans 90 percent with acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQM1pFQnAxZHNEZU1wdmN2djBzLU9ScHVMSjFxdnZ2bUxiWHVZZWtsMUY3azJ1R3k3cklLc0gzWTIxOVIyZXBOSGlHQ3BzVXQxUmRoVDFuOW5zeXE4cWdJNDg0TGtWcVY4cUt6cDE1MVpvUU16eVhGb2FhU1hPM2stRlAxN19YLTV4UGdmRVNka0xPVy1wLWUwdzdTTXZFdw?oc=5) · The Business Journals
- 2018-11-14 [Brouster's turnaround of Reliance Bank results in a big sale - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNQ296T2JqMXdOUlBBRHV3N1otTmM4NkZHUjM1c1lRU2pJYm9abUZOMW9LTkU1WUVNR1ZXYlFJZThkbjJld2FJd3Ixa1pnNmhrdHlCS1AzZ3RuSWFPN3o2MWJJOW5MeWktMVk0TVA1cjhWWnp1RWpQTnJsQ19FZkg1QmgyTGhkOUwwYkN6Y3NybzdwWlYxeENDTkcwQXFralBEbU1tb2RIWVpIZw?oc=5) · The Business Journals
- 2018-04-12 [BancStar merger signals bank consolidation will continue in 2018 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxOMk4zQmMzSXNrZ0F4WFc2UkNvYlh0d205REZCVXRPSnFtWTRHZncxSk5Vc2ZjZFMzTzJfaDBRZFpINndxSFUxTVNBX2NXa1JSUXRRb0JZVXJBelN0b2hmZkNaUnQ3X1hsRDVtNkRONm5YQmhyZmxQWUdzdmVEUXJkeUpsWUozQVV3a09BbG4xckd0aUc3VU16eEJaS1BRZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58656 (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/32.json (key "58656", 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