CNB St. Louis Bank

What CNB St. Louis Bank does

CNB St. Louis Bank is an independently owned community bank founded in 1915 and headquartered in Maplewood, Missouri, operating six branches across the Greater St. Louis metropolitan area (St. Louis City, St. Louis County, St. Charles County). The bank serves two primary segments: individual consumers and small-to-mid-sized businesses, offering a full suite of deposit products (checking, savings, money market, CDs, IRAs, HSAs), consumer lending (mortgages, HELOCs, auto, boat and RV, home improvement, credit cards, and the HOPE Improvement Loan program for low-to-moderate income homeowners), and commercial banking (CRE loans, construction and development, SBA solutions, lines of credit, commercial equipment financing, and treasury management including Positive Pay, ACH origination, lockbox, remote deposit, merchant card processing, and commercial escrow). The bank is FDIC-insured (NMLS #447291) and recognized as Best Bank in St. Louis for five consecutive years (2021-2026) by St. Louis Small Business Monthly.

Name

CNB St. Louis Bank

Legal name

CNB St. Louis Bank

Website

https://cnbstl.com

Company type

Private

Founded year

1915

Operating status

Operating

Headcount range

51–100 employees

Short description

CNB St. Louis Bank is an independently owned community bank founded in 1915, operating six branches in the Greater St. Louis metro and providing consumer and small business deposit, lending, mortgage, and treasury management services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Community banking services
• Commercial lending
• Mortgage loans
• Treasury management
• Consumer deposits

Headquarters

HQ city

Maplewood

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The primary revenue driver for the bank. The bank originates and holds a variety of loan products including commercial real estate loans, construction and development loans, commercial equipment and vehicle loans, SBA solutions, business lines of credit, consumer auto loans, boat and RV loans, mortgage loans, home equity lines of credit (HELOC), home improvement loans, credit cards, and specialized products such as HOPE Improvement Loans for low-to-moderate income homeowners. Interest income is earned on the outstanding loan portfolio.
2. Non-Interest Income from Fees and Service Charges: Fee income generated from deposit account maintenance, overdraft fees, ATM usage (for out-of-network transactions), wire transfer fees, Bill Pay services, merchant card processing, lockbox services, ACH origination, remote deposit capture, and other treasury management services. Also includes income from credit card transaction interchange.
3. Deposit Funding: The bank gathers low-cost deposits from consumers and businesses including checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs). These deposits are used to fund the loan portfolio and generate net interest margin as the primary driver of bank profitability.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

CNB St. Louis Bank is an independently owned community bank founded in 1915 that provides deposit products, consumer and commercial lending, mortgage banking, and treasury management services to individuals and businesses across the Greater St. Louis metropolitan area. The bank operates six physical branches, a full digital banking platform, and supports over 30,000 surcharge-free ATMs through the MoneyPass network.

Product overview

CNB St. Louis Bank operates as a community bank offering a comprehensive suite of banking products and services. The core banking platform includes personal and business checking, savings, CDs, and money market accounts, along with lending products spanning mortgages, home equity lines, auto loans, and commercial loans including SBA programs. The Digital Banking platform serves as the primary digital channel for both consumer and business customers, providing 24/7 account access, transfers, bill pay, mobile deposits, and financial management tools. Treasury management services include Positive Pay fraud prevention, ACH origination, merchant card processing, lockbox services, and remote deposit capture. Specialized products include HOPE Improvement Loans for community lending, CNB Escrow Manager for commercial escrow, and RentManager for property rent collection. The bank has invested in technology upgrades including Secure Access Code two-factor authentication, LiveTeller ATMs with video banking capabilities, and new drive-up ATM features. Card management is facilitated through CardSwap for subscription updates and CardValet for transaction controls.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Consumer checking accounts with various options including standard checking, interest-bearing accounts, and student accounts for individuals and families.
• Personal Savings Accounts Consumer savings vehicles including regular savings, money market accounts, Christmas Club accounts, Health Savings Accounts, and Junior Saver accounts for minors.
• Certificates of Deposit (CDs) Fixed-term deposit accounts with competitive rates and various maturity options from 3 months to 5 years.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity for home improvements, debt consolidation, or other consumer needs up to 80% loan-to-value.
• Mortgage Loans Home purchase and refinance loans including conventional mortgages, construction loans, FHA loans, and specialized programs like the Front Line Mortgage Program for first responders.
• HOPE Improvement Loan Community-focused home improvement loan program with favorable terms, no equity required, and non-traditional credit verification for eligible low-to-moderate income borrowers in the St. Louis area.
• Auto Loans Financing options for vehicle purchases including new and used automobiles for consumers.
• Boat & RV Loans Financing solutions for recreational vehicles including boats and RVs for consumers.
• Consumer Credit Cards Personal credit card products for consumer purchases with various reward and benefit options.
• Home Improvement Loans Loans for home improvements, renovations, roofing, gutters, and general repairs.
• Business Checking Commercial checking accounts with options for businesses of all sizes including analysis accounts and money market options.
• Business Savings Business savings and money market accounts for short-term liquidity and competitive returns.
• Commercial Real Estate Loans Financing for commercial property acquisitions, development, and refinancing including owner-occupied and investment properties.
• Commercial Construction Loans Financing for commercial construction and development projects.
• SBA Solutions Small Business Administration loan programs including SBA 7(a) and 504 loans for qualified business borrowers.
• Business Lines of Credit Business lines of credit providing flexible working capital access for operational needs.
• Commercial Equipment & Vehicle Loans Financing for commercial equipment purchases and vehicle fleets.
• Business Credit Cards Commercial credit card solutions for business expenses with spending controls and rewards.
• Positive Pay Fraud Prevention Treasury management service that validates check details against issued checks, allowing businesses to approve or deny flagged items before payment to prevent check fraud.
• ACH Origination Electronic payment processing for direct deposit, bill payments, and wire transfers for business customers.
• Merchant Card Processing Payment processing services for businesses to accept card transactions.
• Lockbox Services Commercial lockbox services for efficient payment processing and receivables management.
• Remote Deposit Capture Electronic check deposit service allowing businesses to scan and deposit checks remotely.
• Digital Banking Platform Online and mobile banking platform providing 24/7 account access, transfers, bill pay, mobile deposit, account alerts, budgeting tools, and financial management for both consumer and business customers.
• LiveTeller ATMs Interactive teller machines combining ATM functionality with live video banking assistance during extended hours including weekends.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• FiservcoreTechnology or IntegrationFiserv powers the bank's Card Controls mobile app, enabling customers to manage credit and debit cards through their mobile devices with real-time balances, transaction monitoring, alerts, and card management features.
• DocuSigncoreTechnology or IntegrationDocuSign is used for the consumer loan application process, enabling secure electronic signature for loan documentation.
• MoneyPasscoreTechnology or IntegrationCNB participates in the MoneyPass network of surcharge-free ATMs, providing customers access to over 30,000 surcharge-free ATMs coast to coast where they live, work, and travel. The bank's own ATMs are also part of this network.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Busey Bank: Midwestern community bank with comparable commercial banking, treasury management, and consumer mortgage products; similar relationship-led model serving SMBs across multiple Midwest metros.
• Commerce Bank: St. Louis-headquartered community/regional bank offering similar consumer and SMB deposit and lending products to the same Greater St. Louis market as CNB. Operates a comparable branch-and-digital model with relationship-based commercial banking.
• Allegiant Bank: St. Louis-based community bank serving SMBs and consumers in the metro with a comparable relationship-driven model, branch footprint, and product mix including CRE and commercial lending.
• First Bank: Regional community bank with branch-based relationship lending across the Midwest, including Missouri/Southern Illinois. Operates a comparable consumer/SMB banking model to CNB at a slightly larger scale.
• Cass Commercial Bank: St. Louis-based community bank focused on business banking, treasury services, and deposit products for SMBs. Closely mirrors CNB's commercial banking franchise and SMB customer profile.
• Eagle Bank and Trust Company of Missouri: St. Louis metro community bank focused on consumer and small business deposit and lending products, sharing similar customer profile, geography, and product set with CNB.
• Lindell Bank & Trust: St. Louis-headquartered community bank serving local consumers and businesses with comparable deposit, mortgage, and commercial loan products and a similar personal-service orientation.
• Great Southern Bank: Missouri-headquartered community bank offering similar consumer and commercial deposit and loan products with comparable community banking model; broader Missouri footprint than CNB but overlapping in the St. Louis region.

Emerging players

• Chime: Digital-first banking platform targeting consumer deposit, savings, and payment customers with a no-fee model; represents the neobank competitive threat to CNB's consumer-banking franchise, particularly for younger customers.

Broad incumbents

• PNC Bank: Large regional bank with deep St. Louis presence competing for the same SMB treasury services and consumer relationships; offers broader corporate capabilities but overlaps directly with CNB in mid-market banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cnbstl
• Facebookfacebook.com/cnbstl
• LinkedInlinkedin.com/company/citizens-national-bank-of-greater-st.-louis
• Instagraminstagram.com/cnbstl

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about CNB St. Louis Bank