BlastPoint's Banking Scorecard
CNB St Louis Bank
Community
Specialty: Commercial
MO
FDIC cert 4549
Maplewood, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
CNB St Louis Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$850.2M
+4.8% YoY
-3.1% QoQ
|
-$541.2M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$673.9M
+7.7% YoY
-1.5% QoQ
|
-$301.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$710.9M
+4.6% YoY
-8.2% QoQ
|
-$453.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.18%
+50.2% YoY
+7.0% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.28%
+12.0% YoY
+1.7% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
62.23%
-14.7% YoY
-2.8% QoQ
|
-0.40% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.67%
-6.7% YoY
-15.5% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
94.79%
+3.0% YoY
+7.3% QoQ
|
+11.73% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
18.43%
-10.2% YoY
+9.4% QoQ
|
-2.62% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.53%
-4.1% YoY
-14.0% QoQ
|
+0.03% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
10.35%
+1.6% YoY
+4.2% QoQ
|
+0.11% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.21%
+11.3% YoY
+40.0% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#220 of 513 · Bottom 43% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.79%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.79% · Tier avg: 83.06%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.23% · Tier avg: 62.63%
48
48th pctile
Total Loans
Current: $673.9M · Tier avg: $975.5M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.43% · Tier avg: 21.05%
39
39th pctile
Total Deposits
Current: $710.9M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $850.2M · Tier avg: $1.4B
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.35% · Tier avg: 10.24%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.35% · Tier avg: 10.24%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
39
39th pctile
Total Assets
Current: $850.2M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $710.9M · Tier avg: $1.2B
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.43% · Tier avg: 21.05%
48
48th pctile
Total Loans
Current: $673.9M · Tier avg: $975.5M
49
49th pctile
Efficiency Ratio
Current: 62.23% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
77
77th pctile
Loan-to-Deposit Ratio
Current: 94.79% · Tier avg: 83.06%