St. Johns Bank and Trust Company: how it compares with its peers
Against 78 MO banks with half to twice its assets, St. Johns Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.99% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (83.20% vs. 59.38%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.55% | 1.47% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.99% | 4.14% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.20% | 59.38% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.0M | $6.3M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.30% | 85.77% | Context |
What it means for lending operations
Its efficiency ratio of 83.20% is above the 59.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United State Bank Lewistown, MO · $290M
- Century Bank of the Ozarks Gainesville, MO · $305M
- Community First Banking Company West Plains, MO · $307M
- Commercial Bank Saint Louis, MO · $283M
- Goppert Financial Bank Lathrop, MO · $312M
- Ozarks Federal Savings and Loan Association Farmington, MO · $277M
Questions about St. Johns Bank and Trust Company
How big is St. Johns Bank and Trust Company?
St. Johns Bank and Trust Company, established in 1926, is headquartered in Saint Louis, MO. It reported $297M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is St. Johns Bank and Trust Company's return on assets?
0.55% annualized in Q2 2026, against a 1.47% median for 78 MO banks with half to twice its assets, ahead of 4% of them.
What is St. Johns Bank and Trust Company's efficiency ratio?
83.20% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 59.38%, and lower is better.
Is St. Johns Bank and Trust Company growing its loans?
Net loans shrank 4.0% over the year to Q2 2026, while deposits shrank 3.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.