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St. Johns B&T Co.

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St. Johns B&T Co. Rates & Review August 2026

Q: How many branches does St. Johns B&T Co. operate?

St. Johns B&T Co. currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, St. Johns B&T Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St. Johns B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

St. Johns B&T Co.'s Personal Loan Rates are at 6.13%. MonitorBankRates evaluates the financial stability of St. Johns B&T Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.38%. Rates last updated and verified on 08/30/2026.

St. Johns B&T Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St. Johns B&T Co.? Share your experience about St. Johns B&T Co. by leaving a review below, or read customer reviews before you decide to use St. Johns B&T Co..

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.38%

Excellent Lower than avg

St. Johns B&T Co.

8924 Saint Charles Rock Rd
Saint Louis, MO 63114

https://www.stjohnsbank.com

St. Johns B&T Co. Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit Special Promotion	-	-	5.75%	10-year term
Details Intro rate expires: 12 months; Promotional rate is for new loans only. 5.75% APR applies to properties with loan-to-value of 75% or less. The promotional rate of Prime minus 1% is for the first 12 monthly billing cycles and will reprice to Prime minus 0.50% for the remaining term. Promotional rate for properties with loan-to-value of 76%-85% is Prime minus .50% floating for first 12 monthly billing cycles, then reprices at Prime floating for the remaining term. Annual Percentage Rate (APR) will vary with Prime Rate as published in the Wall Street Journal. Proof of adequate property insurance is required. Payments based on 20-year amortization. Minimum payment will not fully repay the loan in 10 years, and your final payment will be a balloon payment. Minimum line of $10,000. Maximum APR of 20%. No closing costs; if appraisal is needed, appraisal is paid for by borrower. Offer is subject to credit approval. Offer subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Up to 85% loan-to-value	5.00%	-	6.50%	60 months
Details 1.00% Origination Fee Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Unsecured	7.75%	-	8.37%	60 - 84 months
Details $500 - $4,999 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Unsecured	7.50%	-	8.52%	36 - 48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Home Equity Unsecured	7.00%	-	8.96%	12 - 24 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

St. Johns B&T Co. Auto Loan Rates

Product	Rate	Points	APR	Term
New vehicles Loan	5.75%	-	6.13%	60 months
Details Origination fee: $100. No payment for first 90 days of loan. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)	5.75%	-	6.22%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)	5.75%	-	6.34%	36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)	6.00%	-	6.39%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles Loan	6.00%	-	6.39%	60 months
Details Finance 90% of purchase price or NADA Retail Value, whichever is less. Origination fee: $100. No payment for first 90 days of loan. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)	5.75%	-	6.58%	24 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)	6.75%	-	7.08%	72 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)	5.75%	-	7.15%	12 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Vehicle Loan (2024-2018)	7.50%	-	7.77%	5 year/15 year amortization
Details 10% down payment of purchase price or loan value, whichever is less Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%
Vehicle Loan (2017-2012)	8.50%	-	8.77%	5 year/15 year amortization
Details 10% down payment of purchase price or loan value, whichever is less Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for St. Johns B&T Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather St. Johns B&T Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St. Johns B&T Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name St. Johns B&T Co.

Bank Holding Company UNITY BANCSHARES L L C

Address 8924 Saint Charles Rock Rd, Saint Louis, MO 63114 · St. Louis

Website https://www.stjohnsbank.com

FDIC Certificate # 8898

Established 01/01/1926

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1797%

Return on Equity (ROE) 14.8400%

Non-Performing Loans (NPL) 0.32%

Total Assets $305,144,000

Total Deposits $268,552,000

Equity Capital $35,861,000

Net Income $2,670,000

Headquarters Saint Louis

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

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Frequently Asked Questions About St. Johns B&T Co.

How many branches does St. Johns B&T Co. operate?

St. Johns B&T Co. currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, St. Johns B&T Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St. Johns B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Does St. Johns B&T Co. offer online and mobile banking?

Most modern institutions like St. Johns B&T Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stjohnsbank.com.