BlastPoint's Banking Scorecard
St. Johns Bank and Trust Company
Micro
Specialty: Commercial
MO
FDIC cert 8898
Designations: ✓ Community bank
Saint Louis, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
St. Johns Bank and Trust Company 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
- - Nonperforming Asset Ratio 1.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.1M
-1.6% YoY
-0.4% QoQ
|
+$87.6M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$222.5M
-2.9% YoY
+0.7% QoQ
|
+$83.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$268.6M
-3.1% YoY
-0.6% QoQ
|
+$84.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
0.87%
+6.1% YoY
+2.5% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
4.67%
+8.7% YoY
+2.4% QoQ
|
+0.81% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
74.98%
+2.5% YoY
+0.0% QoQ
|
+7.25% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.96%
-38.3% YoY
+1.7% QoQ
|
+1.32% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
82.83%
+0.2% YoY
+1.4% QoQ
|
+8.31% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
30.29%
+3.2% YoY
+2.7% QoQ
|
+7.89% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
2.28%
-2.8% YoY
+1.8% QoQ
|
+1.83% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-1.9% YoY
+35.5% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.28%
(Tier avg: 0.45%, National avg: 0.48%)
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
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.29% · Tier avg: 22.39%
79
79th pctile
Total Loans
Current: $222.5M · Tier avg: $139.2M
75
75th pctile
Total Deposits
Current: $268.6M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $305.1M · Tier avg: $217.5M
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.83% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 74.98% · Tier avg: 67.73%
13
13th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.28% · Tier avg: 0.45%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.28% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.64%
28
28th pctile
Efficiency Ratio
Current: 74.98% · Tier avg: 67.73%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.83% · Tier avg: 74.53%
73
73th pctile
Total Assets
Current: $305.1M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $268.6M · Tier avg: $183.7M
79
79th pctile
Total Loans
Current: $222.5M · Tier avg: $139.2M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.29% · Tier avg: 22.39%
84
84th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.85%