ST. CHARLES, 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
$557M
Total Deposits
$423M
Net Loans
$443M
Net Income
$3M
ROA
1.94%
Above avg for Small banks. Peer avg: 0.44%
ROE
12.82%
Risk-Based Capital
17.03%
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 | 2,183 | 99.54% | 0.05% |
| 2023 | 2,525 | 78.26% | 2.34% |
| 2022 | 3,509 | 80.14% | 2.37% |
| 2021 | 7,953 | 82.27% | 1.66% |
| 2020 | 9,993 | 82.73% | 1.81% |
| 2019 | 5,330 | 84.15% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2025 | Satisfactory | Intermediate Small Bank |
| Dec 2021 | Satisfactory | Intermediate Small Bank |
| Jan 2019 | Satisfactory | Intermediate Small Bank |
7 previous ratings locked — back to 1992
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Total Branches
6
Branch Deposits
$407M
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 3.53% |
| 2018 | 4,426 | 80.21% | 4.74% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red