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 St. Johns B&T Co. Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 13, 2026
St. Johns B&T Co.'s top rate as of October 13, 2026 is personal loans from 8.37% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of St. Johns B&T Co. with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.59%. Rates last updated and verified on 10/13/2026. 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.. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. St. Johns B&T Co. Home Equity & HELOC
St. Johns B&T Co. Auto Loan Rates
St. Johns B&T Co. RV, Boat and Powersport Loan Rates
St. Johns B&T Co. Personal Loan Rates
St. Johns B&T Co. Other Rates
Financial Health HistorySt. Johns B&T Co.’s Texas Ratio rose from 3.38% in Q3 2023 to 17.59% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A+ to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
19260101
FDIC Insurance Date
19340101
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 89/100
4.8
Excellent
Out of 5.0 Stars
17.59%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5512%
Return on Equity (ROE)
4.5600%
Non-Performing Loans (NPL)
2.46%
Total Assets
$297,131,000
Total Deposits
$260,108,000
Equity Capital
$36,329,000
Net Income
$825,000
Headquarters
Saint Louis
Total Branches and Offices
4
Source: FDIC | Last Updated 06/30/2026
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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. Compare to Other Banks
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