Total Assets
$196M
Total balance-sheet footings
FDIC Cert #8560 · Carrollton, Missouri · Est. 1912
Bank 21 - FDIC Bank Health Profile
A community-scale look at Bank 21's own numbers, pulled straight from its quarterly FDIC Call Report.
- $196M
- Total assets
- A
- Health grade · Excellent
- 2.52%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Bank 21 earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.23% Tier 1, profitable at 2.52% ROA, efficient (51% cost ratio).
- #3,038
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 12.23%
- Tier 1 ratio - above the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank 21's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank 21's composite health score
Tier 1 Capital Ratio (12.23%) 35/40
Return on Assets (ROA) (2.52%) 25/25
Texas Ratio (0.30%) 20/20
Efficiency Ratio (50.92%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$158M
Customer-funded liabilities
Net Loans
$174M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank 21 ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank 21's score of 92/100 falls in the highlighted band.
Bank 21's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank 21's $196M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.23% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.23%
Texas Ratio
0.30%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.52%
Return on Equity (ROE)
23.19%
Efficiency Ratio
50.92%
What the numbers say about Bank 21
Bank 21 is an FDIC-insured institution (Certificate #8560) headquartered in Carrollton, Missouri, established in 1912. It holds $196M in total assets - 3,038th of 4,313 FDIC-insured banks, $158M in customer deposits, and $174M in net loans. On safety, its Tier 1 capital ratio of 12.23% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.30% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, Bank 21 ranks 129th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$446K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank 21 reports a Texas Ratio of 0.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank 21 (FDIC Cert #8560) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Bank 21's health grade?▼
Bank 21 receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank 21?▼
Bank 21 holds $196M in total assets and $158M in deposits, ranking 3,038th of 4,313 FDIC-insured banks by asset size. It is headquartered in Carrollton, Missouri.
Is my money safe at Bank 21?▼
Yes, deposits at Bank 21 (Certificate #8560) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank 21's Tier 1 Capital Ratio?▼
Bank 21 has a Tier 1 Capital Ratio of 12.23%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank 21?▼
Bank 21 has a Texas Ratio of 0.30%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank 21?▼
Bank 21 has an Efficiency Ratio of 50.92%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank 21's profile as a depositor or analyst.
- Bank 21's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank 21 against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.