CNB ST LOUIS BANK

MAPLEWOOD, MO · Supervised by FDIC

Est. 1915FDIC #4,549RSSD: FDIC-4549

Part ofCARDINAL BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.37%

Institution Profile

FDIC BankFind

Website

www.cnbstl.com

Address

7305 Manchester Rd, MAPLEWOOD, MO

County

St. Louis County

Established

January 1, 1915

Total Assets

$853M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$853M

Total Deposits

$733M

Net Loans

$677M

Net Income

$3M

ROA

1.37%

ROE

18.91%

Risk-Based Capital

11.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.33%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$723M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	60	75%	8.33%
2023	118	69.49%	8.47%
2022	237	80.59%	5.91%
2021	503	85.29%	3.58%
2020	631	86.53%	2.85%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2022

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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