SAINT CLAIR, MO · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$343M
Total Deposits
$302M
Net Loans
$228M
Net Income
$1M
ROA
1.18%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.34%
Risk-Based Capital
19.20%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 134 | 67.91% | 14.18% |
| 2023 | 135 | 76.3% | 7.41% |
| 2022 | 190 | 81.05% | 6.32% |
| 2021 | 250 | 84.4% | 6.40% |
| 2020 | 385 | 75.58% | 10.91% |
| 2019 | 223 | 70.4% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2021 | Satisfactory | Small Bank |
| Jan 2016 | Satisfactory | Small Bank |
| May 2010 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1990
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Total Branches
4
Branch Deposits
$310M
1-Year Change
0
5-year net change: -1 branches
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Preview:
| 2018 | 195 | 71.79% | 9.74% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red