Central Bank Of St. Louis Mortgage Rates, Fees & Info

Clayton, MO

LEI: 549300ZQKLX5VHD8E865

Tax ID: 43-0219515

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Bank Data

Review & Overview

Central Bank Of St. Louis is a smaller bank specializing in Refi and Home Purchase loans. Central Bank Of St. Louis has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Nashville, Denver, Kansas City, and Chicago among others. We have data for 69 markets. (Some data included below & more in-depth data is available with an active subscription.)

Central Bank Of St. Louis has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Central Bank Of St. Louis is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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Originations

2,757

Origination Dollar Volume (All Markets)

$744,805,000

Employee count

244

Awards

CENTRAL BANK OF ST. LOUIS 30 Year Conventional Loans silver CENTRAL BANK OF ST. LOUIS FHA Loans gold CENTRAL BANK OF ST. LOUIS FHA Loans silver CENTRAL BANK OF ST. LOUIS FHA Loans silver
Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ST. LOUIS, MO-IL (FHA|USDA|VA) 2,278 $588,380,000 $258,288 $2,658 3.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 326 $112,680,000 $345,644 $5,775 3.02%
Outside of Metro Areas 39 $8,645,000 $221,667 $2,732 3.03%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $2,150,000 $358,333 $2,646 3.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $1,945,000 $216,111 $2,205 2.94%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,760,000 $440,000 $4,344 3.06%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,705,000 $568,333 $3,919 3.71%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,700,000 $425,000 $3,576 3.22%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,575,000 $525,000 $5,588 3.25%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,300,000 $325,000 $7,486 3.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,799 3.21%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,140,000 $285,000 $3,069 3.03%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,045,000 $348,333 $7,381 2.58%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $775,000 $258,333 $3,549 3.04%
Heber, UT (FHA|USDA|VA) 2 $770,000 $385,000 $6,261 2.81%
COLUMBIA, MO (FHA|USDA|VA) 4 $710,000 $177,500 $3,100 3.50%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $700,000 $350,000 $3,892 3.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $655,000 $655,000 $4,276 2.88%
Oak Harbor, WA (FHA|USDA|VA) 1 $645,000 $645,000 $5,709 3.25%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $2,084 3.44%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $600,000 $300,000 $4,572 2.75%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $590,000 $295,000 $2,492 3.31%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $580,000 $290,000 $2,683 3.38%
Breckenridge, CO (FHA|USDA|VA) 1 $575,000 $575,000 $2,386 3.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $550,000 $275,000 $2,988 3.19%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $545,000 $545,000 $3,170 3.38%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $510,000 $255,000 $2,736 3.19%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $495,000 $495,000 $2,910 4.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $455,000 $455,000 $2,831 2.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $410,000 $205,000 $2,074 3.81%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,761 3.25%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,076 3.75%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $2,964 2.63%
Oxford, MS (FHA|USDA|VA) 1 $395,000 $395,000 $2,670 3.00%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $390,000 $195,000 $2,603 3.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $3,186 2.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $385,000 $385,000 $2,844 3.13%
SANTA FE, NM (FHA|USDA|VA) 1 $385,000 $385,000 $4,226 2.88%
Lewisburg, TN (FHA|USDA|VA) 1 $345,000 $345,000 $3,221 3.50%
BEND, OR (FHA|USDA|VA) 1 $325,000 $325,000 $15,184 2.75%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $325,000 $325,000 $2,175 3.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $315,000 $315,000 $3,453 2.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $295,000 $295,000 $2,750 3.25%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $285,000 $285,000 $2,450 3.13%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,155 3.38%
Seneca, SC (FHA|USDA|VA) 1 $275,000 $275,000 $3,617 3.13%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $265,000 $265,000 $4,074 3.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $265,000 $265,000 $12,090 3.38%
Greenwood, SC (FHA|USDA|VA) 1 $255,000 $255,000 $2,608 2.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $255,000 $255,000 $2,781 3.25%
Rolla, MO (FHA|USDA|VA) 1 $225,000 $225,000 $2,428 2.88%
DULUTH, MN-WI (FHA|USDA|VA) 1 $225,000 $225,000 $4,330 3.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.75%
Bluffton, IN (FHA|USDA|VA) 1 $205,000 $205,000 $1,919 3.75%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,232 3.13%
ASHEVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,059 3.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,254 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $185,000 $185,000 $6,390 3.38%
Kearney, NE (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.63%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,545 2.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,707 3.13%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,497 2.88%
West Plains, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,252 2.88%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.38%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $95,000 $95,000 $1,624 2.75%
JONESBORO, AR (FHA|USDA|VA) 1 $95,000 $95,000 $2,562 3.00%
Mountain Home, AR (FHA|USDA|VA) 1 $75,000 $75,000 $2,193 3.25%
FLINT, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,830 3.63%
Hannibal, MO (FHA|USDA|VA) 1 $55,000 $55,000 $2,027 2.99%
Central Bank Of St. Louis's top markets include St. Louis, Nashville, Denver, Kansas City, and Chicago among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,529 $678,345,000 $268,227 $2,750 3.13%
    VA 120 $40,620,000 $338,500 $5,652 2.77%
    FHA 99 $23,905,000 $241,465 $7,802 3.01%
    USDA 9 $1,935,000 $215,000 $5,072 3.03%

    For 2020, Central Bank Of St. Louis's most frequently originated type of loan was Conventional, with 2,529 originations. Their 2nd most popular type was VA, with 120 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,356 $345,630,000 $254,889 $2,189 3.05%
    Home Purchase 1,183 $346,115,000 $292,574 $4,213 3.11%
    Cash Out Refi 205 $51,095,000 $249,244 $2,596 3.46%
    Home Improvement 7 $955,000 $136,429 $1,416 4.04%
    Other 6 $1,010,000 $168,333 $1,781 4.73%

    For 2020, Central Bank Of St. Louis's most frequently cited loan purpose was Refi, with 1,356 originations. The 2nd most popular reason was Home Purchase, with 1,183 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,972 $558,470,000 $283,200 $3,401 3.14%
    15 Year 407 $94,275,000 $231,634 $2,314 2.82%
    20 Year 196 $45,480,000 $232,041 $2,048 3.25%
    Other 93 $25,075,000 $269,624 $2,217 3.16%
    10 Year 51 $9,805,000 $192,255 $2,136 2.99%
    5 Year 29 $9,265,000 $319,483 $1,852 4.09%
    1 Year 7 $1,555,000 $222,143 $0 4.50%
    3 Year 2 $880,000 $440,000 $0 3.81%

    For 2020, Central Bank Of St. Louis's most frequently cited loan duration was 30 Year, with 1,972 originations. The 2nd most popular length was 15 Year, with 407 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,069 $564,735,000 $272,951
    $1k-2k 380 $91,520,000 $240,842
    $2k-3k 84 $23,340,000 $277,857
    $3k-4k 42 $13,910,000 $331,190
    $5k+ 32 $13,640,000 $426,250
    $4k-5k 30 $10,890,000 $363,000

    Central Bank Of St. Louis's average total fees were $3,401, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,069 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,254 $344,940,000 $275,072
    3-4% 1,178 $312,450,000 $265,238
    <2.5% 222 $65,870,000 $296,712
    4-5% 88 $19,760,000 $224,545
    5-6% 14 $1,740,000 $124,286
    6-7% 1 $45,000 $45,000

    During 2020, Central Bank Of St. Louis's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,254 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,404 $396,760,000 $282,593 $3,163 3.06%
    $100k-200k 774 $119,550,000 $154,457 $2,450 3.15%
    $400k-600k 398 $186,080,000 $467,538 $4,047 3.00%
    $100,000 or less 146 $10,740,000 $73,562 $2,058 3.62%
    $600k-1MM 30 $21,660,000 $722,000 $5,339 3.43%
    $1MM+ 5 $10,015,000 $2,003,000 $6,569 3.68%

    2020 saw Central Bank Of St. Louis place emphasis on $200k-400k loans with 1,404 originations, totaling $396,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 632 $182,690,000 $289,066 $3,100 3.07%
    $150k-250k 486 $161,300,000 $331,893 $3,246 3.09%
    $50k-75k 479 $97,325,000 $203,184 $3,227 3.14%
    $75k-100k 448 $110,220,000 $246,027 $3,221 3.11%
    $50k or less 220 $31,550,000 $143,409 $2,899 3.15%
    $250k+ 167 $67,775,000 $405,838 $2,853 3.21%

    Central Bank Of St. Louis lent most frequently to those with incomes in the $100k-150k range, with 632 originations. The second most popular income band? $150k-250k, with 486 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 749 $191,195,000 $255,267 $2,787 3.08%
    30-36% 486 $136,240,000 $280,329 $3,090 3.13%
    <20% 298 $79,530,000 $266,879 $2,576 3.03%
    39% 95 $23,865,000 $251,211 $3,400 3.08%
    37% 87 $23,395,000 $268,908 $3,531 3.14%
    41% 83 $20,025,000 $241,265 $3,344 3.19%
    36% 82 $20,500,000 $250,000 $2,927 3.14%
    38% 80 $22,520,000 $281,500 $3,059 3.19%
    42% 77 $20,395,000 $264,870 $3,658 3.11%
    44% 74 $19,900,000 $268,919 $3,892 3.11%
    40% 65 $18,415,000 $283,308 $3,488 3.20%
    43% 62 $16,030,000 $258,548 $3,397 3.21%
    45% 45 $12,205,000 $271,222 $3,662 3.17%
    47% 44 $12,310,000 $279,773 $3,883 3.15%
    48% 41 $11,875,000 $289,634 $3,972 3.16%
    46% 37 $9,945,000 $268,784 $3,672 3.18%
    49% 37 $11,095,000 $299,865 $4,353 3.01%
    50-60% 24 $8,330,000 $347,083 $6,909 3.07%
    >60% 2 $910,000 $455,000 $5,999 3.81%

    Central Bank Of St. Louis lent most frequently to those with DTI ratios of 20-30%, with 749 originations. The next most common DTI ratio? 30-36%, with 486 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,363 $634,025,000 $268,314 $2,998 3.10%
    Not provided 121 $33,765,000 $279,050 $3,176 3.07%
    Asian 83 $27,165,000 $327,289 $3,905 2.93%
    Black 114 $24,750,000 $217,105 $3,963 3.16%
    Not applicable 37 $12,485,000 $337,432 $0 4.17%
    Asian Indian 17 $6,465,000 $380,294 $3,963 3.34%
    American Indian 11 $2,745,000 $249,545 $2,899 2.91%
    Other Asian 7 $1,995,000 $285,000 $2,266 3.16%
    Chinese 2 $830,000 $415,000 $2,179 2.56%
    Vietnamese 1 $415,000 $415,000 $7,165 4.00%
    Native Hawaiian or Islander 1 $165,000 $165,000 $2,681 2.75%

    Approval Rates

    Total approvals of all applications
    96.74%

    Central Bank Of St. Louis has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    86.43%

    Central Bank Of St. Louis has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,757 $744,805,000 $270,151

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $8,985,000 $816,818
    Single Family (1-4 Units):Manufactured 3 $425,000 $141,667
    Single Family (1-4 Units):Site-Built 2,743 $735,395,000 $268,099

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 120 $22,010,000 $183,417 $2,432 3.12%
    40-60% 413 $97,225,000 $235,412 $2,360 3.01%
    60-80% 1,077 $300,595,000 $279,104 $2,572 3.14%
    80-100% 1,096 $315,630,000 $287,984 $3,788 3.10%
    Over 100% 17 $6,185,000 $363,824 $12,974 2.76%
    Under 20% 34 $3,160,000 $92,941 $863 4.09%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CENTERSTATE BANK CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    CENTERSTATE BANK CORPORATION Conventional home mortgage Trouble during payment process 2 50.0%
    CENTERSTATE BANK CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Central Bank of St. Louis 10704 West Florissant Avenue Saint Louis, MO 63136 Full Service B&M $5,629
    Central Bank of St. Louis 12224 Tesson Ferry Road Saint Louis, MO 63128 Full Service B&M $88,746
    Central Bank of St. Louis 12230 Manchester Road Des Peres, MO 63131 Full Service B&M $307,786
    Central Bank of St. Louis 16415 Village Plaza View Drive Wildwood, MO 63011 Full Service B&M $52,912
    Central Bank of St. Louis 1700 Clarkson Road Chesterfield, MO 63017 Full Service B&M $171,297
    Central Bank of St. Louis 2116 Nelwood Drive Columbia, MO 65202 Full Service Cyber Office $5,688
    Central Bank of St. Louis 285 Southwoods Ctr Columbia, IL 62236 Full Service B&M $12,923
    Central Bank of St. Louis 2996 Highway K O Fallon, MO 63368 Full Service B&M $66,234
    Central Bank of St. Louis 3 East Washington Street Millstadt, IL 62260 Full Service B&M $65,864
    Central Bank of St. Louis 321 S Main O Fallon, MO 63366 Full Service B&M $24,341
    Central Bank of St. Louis 350 Hartman Lane O Fallon, IL 62269 Full Service B&M $23,043
    Central Bank of St. Louis 3700 New Town Blvd Saint Charles, MO 63301 Full Service B&M $62,161
    Central Bank of St. Louis 669 North New Ballas Road Creve Coeur, MO 63141 Full Service B&M $97,999
    Central Bank of St. Louis 7707 Forsyth Boulevard Clayton, MO 63105 Full Service B&M $429,641
    Central Bank of St. Louis 800 O Fallon Road Weldon Spring, MO 63304 Full Service B&M $34,212
    Central Bank of St. Louis 9645 Clayton Road Saint Louis, MO 63124 Full Service B&M $163,875

    For 2020, Central Bank Of St. Louis had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $76,601
    Net interest income $70,837
    Total noninterest income $40,161
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,727
    Trading account gains and fees $0
    Additional Noninterest Income $36,434
    Pre-tax net operating income $55,036
    Securities gains (or losses, -) $0
    Income before extraordinary items $43,377
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $43,377
    Minority interest net income $0
    Net income $43,377
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $43,377

    Central Bank Of St. Louis's gross interest income from loans was $76,601,000.
    Central Bank Of St. Louis's net interest income from loans was $70,837,000.
    Central Bank Of St. Louis's fee based income from loans was $3,727,000.
    Central Bank Of St. Louis's net income from loans was $43,377,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,764
    Provision for credit losses $2,783
    Total noninterest expense $53,179
    Salaries and employee benefits $32,979
    Premises and equipment expense $4,926
    Additional noninterest expense $15,274
    Applicable income taxes $11,659
    Net charge-offs $729
    Cash dividends $38,000

    Central Bank Of St. Louis's interest expense for loans was $5,764,000.
    Central Bank Of St. Louis's payroll and benefits expense were $32,979,000.
    Central Bank Of St. Louis's property, plant and equipment expenses $4,926,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.7%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,674,155
    Deposits held in domestic offices $1,674,155
    Deposits by Individuals, partnerships, and corporations $1,460,173
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $206,357
    Deposits by Commercial banks and other depository institutions in U.S. $7,625
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $183,622
    Demand deposits $157,129
    Nontransaction accounts $1,490,533
    Money market deposit accounts (MMDAs) $1,249,924
    Other savings deposits (excluding MMDAs) $100,490
    Total time deposits $140,119
    Total time and savings deposits $1,517,026
    Noninterest-bearing deposits $560,482
    Interest-bearing deposits $1,113,673
    Retail deposits $1,622,940
    IRAs and Keogh plan accounts $16,760
    Brokered deposits $19,982
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,325,562
    Cash & Balances due from depository institutions $157,139
    Interest-bearing balances $143,096
    Total securities $314,784
    Federal funds sold & reverse repurchase $6,739
    Net loans and leases $1,718,088
    Loan and leases loss allowance $24,703
    Trading account assets $0
    Bank premises and fixed assets $37,469
    Other real estate owned $1,939
    Goodwill and other intangibles $41,415
    All other assets $47,989

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,325,562
    Total Liabilities $2,090,227
    Total deposits $1,674,155
    Interest-bearing deposits $1,113,673
    Deposits held in domestic offices $1,674,155
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $286,683
    Trading liabilities $0
    Other borrowed funds $60,000
    Subordinated debt $0
    All other liabilities $69,389

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,718,088
    Loan and leases loss allowance $24,703
    Total loans and leases (domestic) $1,742,791
    All real estate loans $1,130,629
    Real estate loans in domestic offices $1,130,629
    Construction and development loans $86,698
    Residential 1-4 family construction $45,119
    Other construction, all land development and other land $41,579
    Loans secured by nonfarm nonresidential properties $672,768
    Nonfarm nonresidential secured by owner-occupied properties $147,842
    Commercial real estate & other non-farm, non-residential $524,926
    Multifamily residential real estate $139,902
    1-4 family residential loans $222,767
    Farmland loans $8,494
    Loans held in foreign offices $0
    Farm loans $785
    Commercial and industrial loans $406,382
    To non-U.S. addressees $0
    Loans to individuals $17,227
    Credit card loans $7,640
    Related Plans $7,114
    Consumer Auto Loans $311
    Other loans to individuals $2,162
    All other loans & leases $192,700
    Loans to foreign governments and official institutions $0
    Other loans $30,872
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,317
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $608
    Non 1-4 family restructured loans & leases $118
    Total loans and leases (foreign) $0

    CENTRAL BANK OF ST. LOUIS had $1,718,088,000 of loans outstanding in 2020. $1,130,629,000 of loans were in real estate loans. $86,698,000 of loans were in development loans. $139,902,000 of loans were in multifamily mortgage loans. $222,767,000 of loans were in 1-4 family mortgage loans. $785,000 of loans were in farm loans. $7,640,000 of loans were in credit card loans. $311,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 393 $95,040 $241,832
    Nonfarm, nonresidential loans - <$100k 71 $2,627 $37,000
    Nonfarm, nonresidential loans - $100-250k 110 $14,568 $132,436
    Nonfarm, nonresidential loans - $250k-1MM 212 $77,845 $367,193
    Commercial & Industrial, US addressed loans - <$1MM 5,231 $162,182 $31,004
    Commercial & Industrial, US addressed loans - <$100k 4,672 $38,743 $8,293
    Commercial & Industrial, US addressed loans - $100-250k 290 $35,154 $121,221
    Commercial & Industrial, US addressed loans - $250k-1MM 269 $88,285 $328,197
    Farmland loans - <$1MM 13 $2,066 $158,923
    Farmland loans - <$100k 2 $31 $15,500
    Farmland loans - $100-250k 6 $1,088 $181,333
    Farmland loans - $250k-1MM 5 $947 $189,400
    Agriculture operations loans - <$1MM 2 $193 $96,500
    Agriculture operations loans - <$100k 1 $29 $29,000
    Agriculture operations loans - $100-250k 1 $164 $164,000