St. Johns Bank

St. Johns Bank & Trust is a privately held, locally owned community bank founded in 1926, serving individuals, families, and small-to-mid-sized businesses across northwestern St. Louis and St. Charles Counties in Missouri through four branch locations and a digital banking platform.

Company typePrivate
Founded1926
HeadquartersSaint Louis, United States
Headcount101–250
GTM typeB2B and B2C
OfferingServices

What St. Johns Bank does

St. Johns Bank & Trust is a privately held, locally owned community bank founded in 1926 by Walter H. Branneky in St. John, Missouri. The bank serves individuals, families, and small-to-mid-sized businesses in northwestern St. Louis and St. Charles Counties through four branch locations (St. Louis, Bridgeton, St. Peters, O'Fallon), complemented by online and mobile banking, TeleConnect 24-hour telephone banking, and on-site ATMs. Its customer base is split horizontally between retail consumers (checking, savings, CDs, personal loans, mortgages, home equity, Visa debit) and small-to-mid-sized businesses (business checking, money market, commercial lending, cash management, merchant services), with niche youth/student accounts as a secondary segment. The bank is celebrating its 100th anniversary in 2026, with a BBB A+ rating, FDIC insurance, and Equal Housing Lender status.

The bank's core technology stack is a conventional digital banking platform: online banking, a mobile application, TeleConnect telephone banking, and business Cash Management tools (Positive Pay fraud protection, ACH origination, Remote Deposit Capture, wire transfers). Security infrastructure includes SSL encryption, multi-factor authentication, session timeouts, and fraud monitoring. Marketing channels center on a content-heavy website with 50+ financial calculators, active organic social media (Facebook, LinkedIn, Twitter, Instagram), email newsletter signup, community events, and earned media for new hires and board appointments. Integrations are limited to consumer-grade data export with QuickBooks and Microsoft Money, plus Google Analytics on the website. No AI/ML capabilities, public APIs, patents, or third-party model usage are disclosed.

The revenue model is a standard community banking spread-plus-fee construct. Interest income is earned on mortgages, home equity, auto, personal, and commercial loans. Banking service fees generate transactional revenue from overdrafts ($32), non-network ATM withdrawals ($1), stop payments ($32), and account research ($30/hour). Deposit account services (checking, savings, money market, CDs) supply funding. Business cash management is the closest thing to a subscription/recurring revenue line, with monthly fees (Cash Management $30/month, Positive Pay $10/month, ACH origination $10/month, Remote Deposit Capture $10/month) plus installation and per-item charges. No funding rounds, M&A, parent company, or institutional ownership are disclosed; the bank operates as an independent, family-managed institution reinvesting local deposits into local lending.

St. Johns Bank firmographics

Firmographics

Name: St. Johns Bank
Legal name: St. Johns Bank & Trust
Website: https://stjohnsbank.com
Company type: Private
Founded year: 1926
Operating status: Operating
Headcount range: 101–250 employees
Short description: St. Johns Bank & Trust is a privately held, locally owned community bank founded in 1926, serving individuals, families, and small-to-mid-sized businesses across northwestern St. Louis and St. Charles Counties in Missouri through four branch locations and a digital banking platform.
Ownership category
akta.pro rank

St. Johns Bank industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (522110), Depository Credit Intermediation (5221)
SIC: National Commercial Banks (6021)
akta.pro primary industry: Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
akta.pro secondary industries: SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

Community banking services
Personal banking products
Business lending services
Mortgage and home equity
Commercial cash management

Where St. Johns Bank is headquartered

Location

Headquarters

HQ city: Saint Louis
HQ country: United States
HQ region: North America

Offices4 records

Markets served

St. Johns Bank business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain, Others

Revenue model

Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including mortgages, home equity loans, auto loans, personal loans, and commercial loans. Interest rates vary by product type and borrower qualifications.
Banking Service Fees: Fees charged for various banking services including ATM withdrawals at non-network ATMs, overdraft fees, wire transfers, stop payments, safe deposit boxes, notary services, and account research. Fee schedule is publicly available.
Deposit Account Services: Revenue from checking, savings, money market accounts, and certificates of deposit. The bank pays interest on deposits and uses these funds for lending activities.
Business Cash Management Services: Monthly fees for Cash Management services including installation fees, Positive Pay, ACH origination, Remote Deposit Capture, and bill payment for business accounts.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Account Research and Reconciliation
Transaction based/ take rate	Pay-as-you-go	Transaction and overdraft fees
Subscription	Monthly	Business Cash Management Services
Unit Pricing	Monthly	New Vehicle Loans (2026)
Usage-based	Pay-as-you-go	Home Equity Line of Credit
Subscription	Annual	Safe Deposit Boxes
Freemium	Monthly	Online Banking and Bill Pay

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

St. Johns Bank product offering

Product offering

Core offering

St. Johns Bank & Trust is a community bank delivering personal and business deposit products (checking, savings, CDs, money market), consumer and commercial lending (mortgages, home equity, vehicle, personal, construction, commercial loans), debit/credit cards, and cash management services with fraud protection, ACH origination, remote deposit capture, and wire transfers. Customers access the bank through four Missouri branches plus online banking, a mobile app, ATM network, TeleConnect telephone banking, and a call center, with all deposits FDIC-insured.

Product overview

St. Johns Bank offers a comprehensive community banking platform organized around two primary customer segments. Personal banking includes checking, savings/CDs, personal lending (vehicle loans, unsecured loans), mortgages, home equity products, and Visa debit cards. Business banking encompasses business checking, money market accounts, commercial lending, Cash Management services (Positive Pay, ACH Origination, Remote Deposit Capture, wire transfers), Merchant Services, and Re$ubmitIt for check resubmission. Digital channels including Online/Mobile Banking (Digital Banking), TeleConnect telephone banking, and iPay Bill Pay serve both segments. Supporting services include calculators, College Center, Safe Deposit Boxes, Life Stages financial guidance, Overdraft Protection, and Bank Properties for Sale.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking Personal checking accounts providing everyday banking access with free online banking, bill pay, and Visa check/debit card options for individual consumers and families.
Savings and CDs Savings accounts, Certificates of Deposit (CDs), and Christmas Club accounts providing personal savings and time-deposit investment options with competitive interest rates.
Personal Lending Personal loans including new and used vehicle loans, unsecured loans, and loans secured by savings or CDs for individual borrowers.
Mortgages Mortgage loan products including fixed-rate loans, construction loans, and lot loans for primary residences, secondary residences, and investment properties, handled by dedicated mortgage lender Joanne Miller.
Home Equity Home equity loans and lines of credit allowing homeowners to borrow against their home's equity, with variable rates tied to the Prime index and an introductory discount for the first 12 months.
Personal Visa Debit Card Visa debit card offering 24-hour ATM access, purchase security, extended protection, auto rental collision damage waiver, travel assistance, and zero liability protection for personal account holders.
Business Checking Business checking accounts including free business checking and fully analyzed interest-bearing accounts tailored to the cash flow needs of small-to-mid-sized local businesses.
Business Money Market Business money market accounts with tiered interest rates for growing balances, designed to help business depositors earn higher returns on operating funds.
Business Lending Commercial lending services supporting builders, developers, property owners, and businesses of all sizes, including construction loans and tailored commercial financing with local decision-making.
Cash Management Business online banking solution providing Positive Pay fraud detection, ACH origination for electronic payments, Remote Deposit Capture for check scanning, wire transfers, and user access controls, priced via monthly subscription plus per-item fees.
Merchant Services Payment processing services enabling business customers to accept debit and credit card payments from customers.
Re$ubmitIt Check Resubmission Check resubmission service allowing businesses to electronically resubmit returned checks for re-processing through the bank's payment systems.
Digital Banking (Online and Mobile) Online and mobile banking platform providing 24/7 account access, fund transfers, bill payment, account monitoring, secure messaging, and integration with Intuit QuickBooks and Microsoft Money for personal and business account holders.
TeleConnect Telephone Banking 24-hour telephone banking service providing account access, transfers, and information via voice without the need for internet connectivity, reachable at 314-423-BANK or 800-555-BANK.
Safe Deposit Boxes Secure in-branch storage for valuables and important papers, available in multiple box sizes at size-tiered annual subscription rates with customer discounts and auto-debit savings.

Companies that use St. Johns Bank

Customer profile

Segments3 records

Ideal customer profiles3 records

St. Johns Bank technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

St. Johns Bank partnerships and signals

Strategic signal

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

St. Johns Bank competitors and assessment

Company assessment

Emerging players

Chime: Digital-first neobank serving U.S. consumers with no-fee checking and savings. Comparable as a competitive threat targeting the same retail deposit customer through a digital channel rather than branches.
Brex: Modern financial platform providing business banking, cards, and cash management to SMBs. Comparable as an emerging competitor in the small business banking and cash management segment served by St. Johns Bank.

Broad incumbents

Busey Bank: Multi-state regional bank with growing St. Louis presence offering consumer and commercial banking, wealth management, and treasury services. Comparable as a larger, diversified incumbent operating in the same geographic footprint.
Regions Bank: Large regional bank with branch presence across the St. Louis metro area. Comparable as an incumbent offering full personal and commercial banking products including deposits, mortgages, and cash management.

Direct peers

Commerce Bank: Major Missouri-based commercial and retail bank headquartered in Kansas City with strong St. Louis presence. Directly comparable as a community/regional bank offering deposit, lending, and cash management services to consumers and businesses in the same geography.
First Bank (First Bank of Missouri): St. Louis-area community bank offering consumer and business banking, lending, and treasury management. Comparable as a locally focused competitor in the same market segment with similar product mix and target customer.
Midwest BankCentre: St. Louis metro community bank providing personal and business banking services. Comparable as a locally owned bank operating multiple branches in the St. Louis region with similar SMB and consumer focus.
Enterprise Bank & Trust: St. Louis-based community bank serving businesses and consumers with deposit accounts, commercial lending, and cash management solutions. Closely comparable by geography, customer segment, and product breadth.
Lindell Bank: St. Louis-based community bank serving personal and business customers with deposit and lending products. Direct peer given similar metropolitan footprint, relationship-based GTM, and product set.

Regional players

Pioneer Bank (Missouri): Community bank serving Missouri consumers and small businesses with deposit and lending products. Comparable by business model and customer type, though less directly overlapping in core St. Louis territory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

St. Johns Bank compliance and trust

Trust signal

Compliance5 records

St. Johns Bank financial estimates

Financial estimate

Revenue estimate

Valuation estimate

St. Johns Bank leadership team

Management profile

Number of profiles

Profiles3 records

St. Johns Bank funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

St. Johns Bank M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about St. Johns Bank

What does St. Johns Bank do?

Is St. Johns Bank a public or private company?

St. Johns Bank is a private company. It is classified as family owned and is currently operating.

When was St. Johns Bank founded?

St. Johns Bank was founded in 1926. It employs 101 to 250 people.

Where is St. Johns Bank based?

St. Johns Bank is headquartered in Saint Louis, United States, in the North America region.

How does St. Johns Bank make money?

Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are banking Service Fees, deposit Account Services and business Cash Management Services.

Who are St. Johns Bank's main competitors?

Emerging players on record are Chime and Brex. Broad incumbents are Busey Bank and Regions Bank. Direct peers are Commerce Bank, First Bank (First Bank of Missouri), Midwest BankCentre, Enterprise Bank & Trust and Lindell Bank. Pioneer Bank (Missouri) is listed as a regional player.

Does St. Johns Bank have an API?

No public API is recorded for St. Johns Bank.

What industry is St. Johns Bank in?

St. Johns Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 522110 and its SIC code is 6021.