As the year winds down, many individuals and businesses take stock of their finances. Maximizing your year-end savings can help you enter the new year with confidence, a clear plan, and a stronger financial position. St. Johns Bank is committed to helping clients navigate these decisions with professional guidance and tailored banking solutions. Review Your Accounts and Contributions Before the year ends, it is important to evaluate your current savings accounts, retirement contributions, and any other financial instruments. Read on →

As the holiday season approaches, so does a spike in financial scams. From phishing emails to fake charity requests, October through December is prime time for fraudsters looking to take advantage of distracted shoppers and busy business owners. At St. Johns Bank, we believe that awareness is your first line of defense. Here’s how you can stay alert and protect your finances heading into the holidays. Why Scams Spike During the Holidays Scammers take advantage of increased online activity and spending this time of year. Read on →

Cash Flow vs. Profit: What Every Business Owner Should Know Running a successful business means knowing more than just your bottom line. While profit is often the go-to metric, cash flow is just as important for day-to-day stability. Understanding the difference between these two financial indicators is critical to long-term growth, strategic planning, and avoiding unexpected financial stress. What’s the Difference Between Cash Flow and Profit? At first glance, cash flow and profit might seem interchangeable, but they tell very different stories about your business’s financial health. Read on →

Establishing strong business credit is a crucial step for any company looking to grow and secure financing. At St. Johns Bank, we understand the importance of a solid credit profile in helping businesses access loans, negotiate better terms, and build long-term financial stability. Whether you’re a new startup or an established business, knowing how business credit works can set you on the path to success. What is Business Credit? Business credit is separate from your personal credit and reflects the financial history and creditworthiness of your business. Read on →

Financial goals look different at every stage of life, but the foundation remains the same: strong habits. Whether you're just starting your career, raising a family, or planning for retirement, knowing how to manage your money effectively is key to long-term financial health. At St. Johns Bank, we believe that financial literacy is for everyone—no matter your age or income level. Here's a look at how you can build and strengthen your financial habits through every decade. Read on →

As your family grows, so do your financial responsibilities. From diapers to diplomas, each stage of life brings new expenses and long-term goals. Whether you're expecting your first child or preparing for a teenager’s future, having a solid financial plan in place helps you stay confident and focused. At St. Johns Bank, we understand the needs of local families — and we're here to support you every step of the way. Read on →

A home remodel can be one of the most rewarding investments you make, but it can also be one of the most financially demanding. Whether you're expanding your kitchen, updating a bathroom, or tackling structural upgrades, it's important to choose financing that supports your vision without overextending your budget. At St. Johns Bank, we understand the financial decisions homeowners face when improving their homes. That’s why we offer flexible lending options to help make your plans possible, without compromising your long-term goals. Read on →

Your credit score is more than just a number—it’s a key financial indicator that can affect everything from loan approvals to interest rates and even insurance premiums. Understanding how your score is calculated, and the factors that influence it, is the first step toward stronger financial health. At St. Johns Bank, we believe informed banking leads to empowered decision-making. Let’s take a closer look at what drives your credit score and why it matters. Read on →

Buying a home is one of life’s biggest financial decisions. It’s exciting, but it also comes with a lot of unfamiliar terms that can make the process feel overwhelming. Understanding a few key banking and mortgage terms can help you feel more confident and informed as you begin your homebuying journey. At St. Johns Bank, we believe in empowering our customers with knowledge, especially when it comes to such a significant milestone. Read on →

At St. Johns Bank & Trust, we understand that life is full of unexpected events—whether it’s a sudden car repair, a medical expense, or an urgent home fix. That’s why building an emergency fund is one of the smartest financial moves you can make. An emergency fund acts as a financial safety net, helping you handle surprises without going into debt or disrupting your long-term goals. What Is an Emergency Fund? Read on →