BlastPoint's Banking Scorecard
St. Johns Bank and Trust Company
Saint Louis, MO
4 branches across MO
St. Johns Bank and Trust Company has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.91% above tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 3.7% in tier
- - Deposit Outflow: Bottom 22.7% in tier
- - Delinquency Rate 2.51% above tier average
- - Nonperforming Asset Ratio 2.77% above tier average
- - ROA 0.54% below tier average
- - Efficiency Ratio 14.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.7M
-3.2% YoY
-3.1% QoQ
|
-$90.4M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$220.2M
-2.4% YoY
-1.0% QoQ
|
-$35.6M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$258.5M
-4.7% YoY
-3.7% QoQ
|
-$69.5M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.73%
-9.8% YoY
-16.6% QoQ
|
-0.54% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
4.84%
+11.6% YoY
+3.8% QoQ
|
+0.91% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 9.8% in tier |
| Efficiency Ratio ? |
79.45%
+5.7% YoY
+6.0% QoQ
|
+14.16% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
3.39%
+8.6% YoY
+72.9% QoQ
|
+2.51% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.8% in tier |
| Loan-to-Deposit Ratio ? |
85.17%
+2.4% YoY
+2.8% QoQ
|
+8.53% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
28.05%
-1.2% YoY
-7.4% QoQ
|
+6.03% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
3.41%
+47.5% YoY
+49.2% QoQ
|
+2.77% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.3% in tier |
| Tier 1 Capital Ratio ? |
12.19%
+8.6% YoY
+3.6% QoQ
|
-3.64% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.09%
+11.6% YoY
-73.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
43% |
Get Full Access to St. Johns Bank and Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.