The Bank of Missouri
The Bank of Missouri reported total assets of $4.2 bn at Q2 2026, up 36.0% on a year earlier, the 321st largest of 497 banks in our US coverage. The CET1 capital ratio at The Bank of Missouri was 10.83%, and the uninsured share of The Bank of Missouri was 25.30%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), The Bank of Missouri slipped from 16th to 413th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , The Bank of Missouri has taken over 4 institutions; the latest was M1 Bank on (FDIC Call Reports).
- The Bank of Missouri has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 0.84% at , against a median of 0.06% across 339 banks (FDIC Call Reports).
What sets The Bank of Missouri apart
- The common equity tier 1 (CET1) ratio of The Bank of Missouri, 10.83% at , places The Bank of Missouri in the bottom tenth of banks of $1 bn to $10 bn (group median 13.22%).
- Over the year to , the net loans and leases of The Bank of Missouri rose by 48.5% to $3.2 bn, a bigger rise than at 97% of covered banks.
- Over the year to , the total deposits of The Bank of Missouri rose by 41.8% to $3.6 bn, a bigger rise than at 96% of covered banks.
How large is The Bank of Missouri?
The balance sheet of The Bank of Missouri at : assets $4.2 bn, deposits $3.6 bn, net loans $3.2 bn (loans equal to 88.23% of deposits). Securities make up 13.6% of total assets at The Bank of Missouri. Since , when The Bank of Missouri held $1.3 bn, its assets grew 235.6%. In the year to , deposits at The Bank of Missouri rose 41.8% while its total assets rose 36.0%. At , The Bank of Missouri employed 573 full-time equivalent staff across 32 offices, about $7.4 mn of assets per employee and $112.0 mn of deposits per office.
How much funding at The Bank of Missouri is uninsured?
At The Bank of Missouri, uninsured deposits (above the FDIC limit) made up 25.30% of domestic deposits at (-0.83 pp on a year earlier); The Bank of Missouri ranks 373rd of 500 on this measure. In dollars, The Bank of Missouri estimated $906.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.6 bn | +41.8% | 310th of 499 |
| Net loans and leases | $3.2 bn | +48.5% | 303rd of 500 |
| Loan-to-deposit ratio | 88.23% | +3.99 pp | 228th of 500 |
| Tier 1 leverage ratio | 9.63% | -0.97 pp | 357th of 500 |
| Total risk-based capital ratio | 11.06% | -2.77 pp | 447th of 448 |
| Net interest margin | 3.37% | +0.58 pp | 329th of 500 |
| Return on assets (ROA) | 0.93% | -1.62 pp | 408th of 500 |
| Efficiency ratio | 74.52% | +20.85 pp | 459th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $22.0 mn | Narrowed by $7.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $16.6 mn | Narrowed by $7.9 mn | |
| Noncurrent loans to total loans | 1.53% | +1.30 pp | 427th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.84% | +0.86 pp | 462nd of 500 (1 = lowest) |
US rank of The Bank of Missouri: 1 = highest unless marked 1 = lowest.
Balance sheet
The Bank of Missouri: assets, deposits and loans
- Total assets $4.2bn
- Deposits $3.6bn
- Net loans $3.2bn
Capital and securities
The CET1 ratio of The Bank of Missouri stood at 10.83% in , -2.11 pp year on year. Low and high at The Bank of Missouri since : 10.83% () to 14.13% (). Equity capital of The Bank of Missouri at : $495.7 mn, or 11.7% of total assets. The Bank of Missouri also reported a total capital ratio of 11.06% for , and a tier 1 leverage ratio of 9.63%.
On held-to-maturity securities, The Bank of Missouri carried an unrealized loss of $22.0 mn at , equal to 4.4% of equity capital. The loss narrowed by $7.0 mn over the year. Its deepest point: $53.3 mn in . The available-for-sale portfolio of The Bank of Missouri showed an unrealized loss of $16.6 mn at ; the loss narrowed by $7.9 mn over the year.
The Bank of Missouri: capital ratios
- Total capital 11%
- CET1 11%
- Tier 1 leverage 9.6%
The Bank of Missouri: unrealized securities gains and losses
- Available for sale -$17mn
- Held to maturity -$22mn
Profitability and loan quality
For the year to , The Bank of Missouri earned a return on equity of 8.10%; return on assets: 0.93%. Net interest margin at The Bank of Missouri: 3.37%, +0.58 pp in a year. The Bank of Missouri net income: $19.6 mn, down 49.8% year on year. The efficiency ratio of The Bank of Missouri was 74.52%: about 75 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 1.53% of total loans at The Bank of Missouri; net charge-offs: 0.84% of average loans. Gross loans and leases at The Bank of Missouri: $3.2 bn, up 48.0% in a year.
The Bank of Missouri: profitability
- Return on equity 8.1%
- Net interest margin 3.4%
- Return on assets 0.9%
Peer group of The Bank of Missouri
The peer group of The Bank of Missouri is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of The Bank of Missouri (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, The Bank of Missouri shows CET1 ratio 10.83% against a peer median of 17.26%, return on equity 8.10% against a peer median of 13.61% and uninsured deposit share 25.30% against a peer median of 49.06%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| The First Bank and Trust Company | State member bank | VA | $4.3 bn | 12.58% | 18.63% | 41.53% | |
| Royal Business Bank | State nonmember bank | CA | $4.3 bn | 19.68% | 8.32% | 50.67% | |
| Inwood National Bank | National bank | TX | $4.3 bn | 16.18% | 14.11% | 47.46% | |
| The Bank of Missouri | State nonmember bank | MO | $4.2 bn | 10.83% | 8.10% | 25.30% | |
| Bessemer Trust Company | National bank | NY | $4.2 bn | 23.20% | 38.18% | 82.33% | |
| United Community Bank | State nonmember bank | IL | $4.1 bn | 13.70% | 13.12% | 35.03% | |
| Woori America Bank | State nonmember bank | NY | $4.1 bn | 18.34% | 5.52% | 68.67% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Bank of Missouri, to : assets +38.9%, deposits +42.6%, equity +59.1%. Staff 538 to 573; offices 29 to 32.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.0 bn | $3.1 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.0 bn | $4.2 bn | $4.2 bn |
| Total deposits | $2.5 bn | $2.6 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $3.6 bn | $3.6 bn |
| Bank equity capital | $311.4 mn | $308.7 mn | $308.4 mn | $336.8 mn | $346.4 mn | $346.9 mn | $491.1 mn | $495.7 mn |
| CET1 ratio | 12.50% | 12.43% | 12.27% | 12.94% | 13.33% | 13.45% | 10.90% | 10.83% |
| Return on equity (ROE) | 5.34% | 5.60% | 5.60% | 24.55% | 19.00% | 15.33% | 7.56% | 8.10% |
| Uninsured share of domestic deposits | 23.46% | 25.01% | 24.41% | 26.13% | 27.54% | 28.81% | 26.44% | 25.30% |
| Full-time equivalent employees | 538 | 535 | 533 | 533 | 538 | 523 | 569 | 573 |
| Number of offices | 29 | 29 | 29 | 29 | 29 | 29 | 31 | 32 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The Bank of Missouri, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank Star of the BootHeel (FDIC certificate 10629).
- . Absorbed Martinsburg Bank and Trust (FDIC certificate 8270).
- . Absorbed Mid America Bank & Trust Company (FDIC certificate 1624).
- . Absorbed Bank of Bolivar (FDIC certificate 34397).
- . Absorbed M1 Bank (FDIC certificate 9797).
Large one-quarter moves at The Bank of Missouri
- Total assets at The Bank of Missouri changed by +25.5% in the quarter to 2018-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Martinsburg Bank and Trust, Mid America Bank & Trust Company.
- Total assets at The Bank of Missouri changed by +39.6% in the quarter to 2026-03-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from M1 Bank.
Questions and identifiers
What were the total assets of The Bank of Missouri?
The Bank of Missouri reported $4.2 bn at in its Call Report. That makes The Bank of Missouri the 321st largest of 497 banks in our US coverage.
Is The Bank of Missouri the same as its holding company?
No. This page covers The Bank of Missouri, FDIC certificate 1617; RELIABLE CMTY BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The Bank of Missouri profitable?
The Bank of Missouri reported net income of $19.6 mn for the year to ; annualized return on equity: 8.10%. So yes: The Bank of Missouri made a profit over these months.
When is data for The Bank of Missouri next updated?
Figures from The Bank of Missouri for are due after .
Where can I check the figures for The Bank of Missouri?
In the FDIC BankFind Suite record for certificate 1617, and in the Call Reports of The Bank of Missouri (RSSD ID 330855) at the FFIEC Central Data Repository.