This institution is no longer active

Operations ceased on October 25, 2002. CRA examination history below reflects the period it was active.

STATE BANK OF JEFFERSON COUNTY

DE SOTO, MO · Supervised by FDIC

Est. 1967FDIC #19,770RSSD: FDIC-19770

Part ofALLEGIANT BCORP INC→ View all charters

Outstanding Up

Current rating · Exam: March 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.78%

Is this bank safe?

STATE BANK OF JEFFERSON COUNTY earned an Outstanding CRA rating (1999), meets basic financial requirements (ROA +0.78%).

Institution Profile

FDIC BankFind

Address

224 South Main Street, DE SOTO, MO

County

Jefferson County

Established

December 9, 1967

Total Assets

$89M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2002Call Report / FDIC

Total Assets

$89M

Total Deposits

$71M

Net Loans

$60M

Net Income

$519K

ROA

0.78%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.97%

Risk-Based Capital

16.41%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA0.78%Peer avg: 0.44%▲ Above avg

Risk-Based Capital16.41%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 1999	Outstanding	Small Bank
Jul 1996	Satisfactory	Small Bank
Jun 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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