St. Johns Bank and Trust Company

Headquarters: Saint Louis, Missouri
Charter: Bank
Assets: $297.1M
Fed district: St. Louis
Regulator: FDIC
Holding company: Unity Bancshares L L C

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 29, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 29, 2026

How these figures are measured

Call-report figures are for St. Johns Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	St. Johns Bank and Trust Company's published fee schedule; Bank Fee Index medians	Current schedule	Oct 29, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: St. Johns Bank and Trust Company (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $90K in Q2 2026, 10.0% below the same quarter a year earlier ($100K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
St. Johns Bank and Trust Company: $5 to $15
St. Johns Bank and Trust Company: $5 to $15
U.S. median: no median
Overdraft (OD)
St. Johns Bank and Trust Company: $32
St. Johns Bank and Trust Company: $32
U.S. median: no median
NSF / Returned Item
St. Johns Bank and Trust Company: $32
St. Johns Bank and Trust Company: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 8.2% from Q3 2025 to Q2 2026, to $90K.

Service-charge income, Q2 2026

$90K

$98KQ3 2025

$98KQ4 2025

$92KQ1 2026

$90KQ2 2026

Against the median

St. Johns Bank and Trust CompanyMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

St. Johns Bank and Trust Company · $297M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$290M to $304M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
St. Johns Bank and Trust Company(this institution)	Saint Louis, MO	$297M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
22nd State Banking Company	Mobile, AL	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Crockett	Bells, TN	$299M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Franklin	Meadville, MS	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Caldwell Bank & Trust Company	Columbia, LA	$299M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Castle Rock Bank	Castle Rock, MN	$294M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Guaranty Bank	Richmond, KY	$304M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens State Bank of Roseau	Roseau, MN	$291M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Collins State Bank	Collins, WI	$301M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank and Trust Company	Muscatine, IA	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DLP Bank	Starke, FL	$301M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association	Newark, OH	$294M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First National Bank Of Commerce	Walnut Ridge, AR	$297M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grant County Bank	Ulysses, KS	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Leighton State Bank	Pella, IA	$298M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
McClain Bank	Purcell, OK	$294M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
RNB STATE BANK	Rawlins, WY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Security First Bank of North Dakota	New Salem, ND	$293M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SJN Bank of Kansas	Saint John, KS	$303M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Bank	Waterloo, IL	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Savings Bank	West Des Moines, IA	$292M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Bank of Forest	Forest, MS	$296M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First National Bank of Milaca	Milaca, MN	$293M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Springdale, AR	$296M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United State Bank	Lewistown, MO	$290M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Washington Savings Bank	Lowell, MA	$302M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.62 (36%) above the median of similar-sized banks.

Compared at $10, the middle of its two prices, against a peer median of $7.38 among 16 publishing peers.

Its two checking prices are $5 and $15.

$10 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

St. Johns Bank and Trust…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude 2 outliers ($25, $25)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for St. Johns Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $90K
vs prior quarter: −$2K−2.2%; from Q1 2026
vs a year earlier: −$10K−10.0%; from Q2 2025
vs start of range: −$27K−23.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: St. Johns Bank and Trust Company (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$90K	−$2K	−2.2%
Q1 2026	$92K	−$6K	−6.1%
Q4 2025	$98K	$0	0.0%
Q3 2025	$98K	−$2K	−2.0%
Q2 2025	$100K	−$8K	−7.4%
Q1 2025	$108K	+$2K	+1.9%
Q4 2024	$106K	−$11K	−9.4%
Q3 2024	$117K	+$15K	+14.7%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from St. Johns Bank and Trust Company’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Monthly fee$15
per month
Christmas Club, if account closed prior to annual pay out$5
Not compared: Annual charge, not per item
per year
Early Account Closure: Checking, within 180 days$25
Penalty for early closure (Christmas Club)$5
one time
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Handling Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for the payment of each overdraft$32
per item
Item paid into overdraft$32
Returned NSF fee$32
per item
Continuous Negative Balance, per day$5
per day

ATM & Card

ATM Withdrawal | At a non-St. Johns Bank ATM$1
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers, domestic (optional)$10
Wire Transfers (customers only): Incoming - Domestic$10

Check Services

Stop Payments$32
per item

Digital & Electronic

ACH Origination, per item$0.16
per item
ACH Origination, per month (optional)$10
Not compared: Monthly charge, not per item
per month
Bill Pay charge per item$0.50
Not compared: Per-item charge, not monthly
per item
Bill Pay charge per month$5.95
per month
Bill Pay Per Item Charge (audience not stated, treated as personal)$0.50
Not compared: Per-occurrence charge, not monthly
per item
Bill Pay, personal accountsNo charge

Cash & Deposit

Deposited Item Returned$12
per item

Account Services

NotaryNo charge
Garnishment/Levy$10
per item
Verification of Deposit/Loan$10
per item

Retirement & IRA

External Transfer of IRA$30
per item

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Monthly fee	$15	per month	None
Christmas Club, if account closed prior to annual pay out	$5Not compared: Annual charge, not per item	per year	None
Early Account Closure: Checking, within 180 days	$25	Not stated	None
Penalty for early closure (Christmas Club)	$5	one time	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Handling Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for the payment of each overdraft	$32	per item	None
Item paid into overdraft	$32	Not stated	None
Returned NSF fee	$32	per item	None
Continuous Negative Balance, per day	$5	per day	None
ATM & Card
ATM Withdrawal \| At a non-St. Johns Bank ATM	$1	Not stated	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers, domestic (optional)	$10	Not stated	None
Wire Transfers (customers only): Incoming - Domestic	$10	Not stated	None
Check Services
Stop Payments	$32	per item	None
Digital & Electronic
ACH Origination, per item	$0.16	per item	None
ACH Origination, per month (optional)	$10Not compared: Monthly charge, not per item	per month	None
Bill Pay charge per item	$0.50Not compared: Per-item charge, not monthly	per item	None
Bill Pay charge per month	$5.95	per month	None
Bill Pay Per Item Charge (audience not stated, treated as personal)	$0.50Not compared: Per-occurrence charge, not monthly	per item	None
Bill Pay, personal accounts	No charge	Not stated	None
Cash & Deposit
Deposited Item Returned	$12	per item	None
Account Services
Notary	No charge	Not stated	None
Garnishment/Levy	$10	per item	None
Verification of Deposit/Loan	$10	per item	None
Retirement & IRA
External Transfer of IRA	$30	per item	None
Other Fees
Photocopies	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Christmas Club, if account closed prior to annual pay out$5
Not compared: Annual charge, not per item
per year
Early Account Closure: Checking, within 180 days$25
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Handling Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for the payment of each overdraft$32
per item
Item paid into overdraft$32
Returned NSF fee$32
per item
Continuous Negative Balance, per day$5
per day

ATM & Card

ATM Withdrawal | At a non-St. Johns Bank ATM$1
ATM/Visa Debit Card Replacement$10
per item

Wire Transfers

Wire Transfers, domestic (optional)$10
Wire Transfers (customers only): Incoming - Domestic$10

Check Services

Stop Payments$32
per item

Digital & Electronic

ACH Origination, per item$0.16
per item
ACH Origination, per month (optional)$10
Not compared: Monthly charge, not per item
per month
Bill Pay charge per item$0.50
Not compared: Per-item charge, not monthly
per item
Bill Pay charge per month$5.95
per month
Bill Pay, business accounts$5.95
per month

Cash & Deposit

Deposited Item Returned$12
per item

Account Services

NotaryNo charge
Garnishment/Levy$10
per item
Verification of Deposit/Loan$10
per item

Retirement & IRA

External Transfer of IRA$30
per item

Other Fees

Photocopies$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Christmas Club, if account closed prior to annual pay out	$5Not compared: Annual charge, not per item	per year	None
Early Account Closure: Checking, within 180 days	$25	Not stated	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Handling Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for the payment of each overdraft	$32	per item	None
Item paid into overdraft	$32	Not stated	None
Returned NSF fee	$32	per item	None
Continuous Negative Balance, per day	$5	per day	None
ATM & Card
ATM Withdrawal \| At a non-St. Johns Bank ATM	$1	Not stated	None
ATM/Visa Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfers, domestic (optional)	$10	Not stated	None
Wire Transfers (customers only): Incoming - Domestic	$10	Not stated	None
Check Services
Stop Payments	$32	per item	None
Digital & Electronic
ACH Origination, per item	$0.16	per item	None
ACH Origination, per month (optional)	$10Not compared: Monthly charge, not per item	per month	None
Bill Pay charge per item	$0.50Not compared: Per-item charge, not monthly	per item	None
Bill Pay charge per month	$5.95	per month	None
Bill Pay, business accounts	$5.95	per month	None
Cash & Deposit
Deposited Item Returned	$12	per item	None
Account Services
Notary	No charge	Not stated	None
Garnishment/Levy	$10	per item	None
Verification of Deposit/Loan	$10	per item	None
Retirement & IRA
External Transfer of IRA	$30	per item	None
Other Fees
Photocopies	$1	per item	None

Correct a fee source

Oct 29, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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