BlastPoint's Banking Scorecard

St. Johns Bank and Trust Company

$100M-$1B Specialty: Commercial MO FDIC cert 8898

Saint Louis, MO

4 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits -3.7% year over year ($260.1M on the books).
Delinquency rate 3.34%.
Return on assets 0.55%.
Efficiency ratio 83.20% vs a 64.48% peer average.
Loan-to-deposit ratio 84.30% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

St. Johns Bank and Trust Company has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.00% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.4% in tier
- Deposit Outflow: Bottom 22.1% in tier
- Delinquency Rate 2.42% above tier average
- Nonperforming Asset Ratio 2.49% above tier average
- Non-Interest Income / Assets 0.57% below tier average
- ROA 0.77% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$297.1M -2.6% YoY +0.5% QoQ	-$89.4M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$219.3M -4.0% YoY -0.4% QoQ	-$39.1M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$260.1M -3.7% YoY +0.6% QoQ	-$66.6M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	47%
Return on Assets ?	0.55% -36.0% YoY -24.2% QoQ	-0.77%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Bottom 13.7% in tier
Net Interest Margin ?	4.99% +11.9% YoY +3.0% QoQ	+1.00%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 8.3% in tier
Efficiency Ratio ?	83.20% +12.3% YoY +4.7% QoQ	+18.72%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Bottom 10.6% in tier
Delinquency Rate ?	3.34% +7.2% YoY -1.6% QoQ	+2.42%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 5.3% in tier
Loan-to-Deposit Ratio ?	84.30% -0.3% YoY -1.0% QoQ	+6.35%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	28.66% -3.5% YoY +2.2% QoQ	+6.63%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	3.16% +35.6% YoY -7.2% QoQ	+2.49%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 2.9% in tier
Tier 1 Capital Ratio ?	12.27% +7.4% YoY +0.6% QoQ	-3.64%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	-0.00% -101.3% YoY -102.3% QoQ	-0.57%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Bottom 0.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	28.7% -1.1pp YoY +0.6pp QoQ	+6.5pp	22.1%	20.9%	22.2%	78%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	8.9% +0.4pp YoY +0.4pp QoQ	-2.7pp	11.6%	12.3%	12.5%	46%
CRE	71.0% -2.7pp YoY -1.7pp QoQ	+31.4pp	39.5%	36.8%	41.4%	94%
1-4 Family	20.4% +2.8pp YoY +1.4pp QoQ	-12.2pp	32.6%	31.9%	31.3%	31%
Consumer	1.3% -0.3pp YoY -0.1pp QoQ	-2.8pp	4.1%	4.1%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	12.3% +0.8pp YoY +0.1pp QoQ	+0.1pp	12.2%	11.6%	12.6%	67%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	75 +3 (+4.2%) YoY 0 QoQ	+16	58	162	482	74%
Assets per Employee ($)	$4.0M -6.5% YoY +0.5% QoQ	-$3.6M	$7.5M	$8.0M	$8.8M	4%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.3%	0.4%	13%
Nonaccrual	3.3% +0.2pp YoY -0.1pp QoQ	+2.4pp	0.9%	0.8%	1.0%	95%
Allowance Coverage	0.50x -7.2% YoY +2.3% QoQ	-23.66x	24.15x	10.47x	20.23x	10%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	4.6% -3.4pp YoY -1.5pp QoQ	-7.6pp	12.2%	14.3%	11.6%	12%
Cost of Funds (YTD)	0.3% 0.0pp YoY 0.0pp QoQ	-1.4pp	1.7%	1.8%	1.7%	1%
Net Income ($, YTD)	$825,000 -37.6% YoY — QoQ	-$1.7M	$2.6M	$11.3M	$40.4M	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#17 of 361 • Bottom 4.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.20%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Deposit Outflow

decline

#119 of 535 • Bottom 22.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

220

Net Interest Margin

profitability

Value: 4.99%

Peer Median: 3.99%

#220 of 2643 Top 8.3% in $100M-$1B

577

Non-Interest-Bearing Deposit Share

funding

Value: 28.66%

Peer Median: 22.03%

#577 of 2643 Top 21.8% in $100M-$1B

Top Weaknesses (5 metrics)

2634

Non-Interest Income / Assets

revenue_mix

Value: -0.00%

Peer Median: 0.57%

#2634 of 2643 Bottom 0.4% in $100M-$1B

2568

Nonperforming Asset Ratio

credit_quality

Value: 3.16%

Peer Median: 0.67%

#2568 of 2643 Bottom 2.9% in $100M-$1B

2494

Delinquency Rate

credit_quality

Value: 3.34%

Peer Median: 0.92%

#2494 of 2633 Bottom 5.3% in $100M-$1B

2363

Efficiency Ratio

profitability

Value: 83.20%

Peer Median: 64.48%

#2363 of 2643 Bottom 10.6% in $100M-$1B

2282

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.32%

#2282 of 2643 Bottom 13.7% in $100M-$1B