FDIC Cert #1937 · Waynesville, Missouri · Est. 1911

Bank of Crocker - FDIC Bank Health Profile

A community-scale look at Bank of Crocker's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$146M
Total assets
B
Health grade · Good
0.63%
Return on assets
29.5%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Crocker earns a PlainBankData health grade of B (70/100), with well-capitalized at 29.55% Tier 1, 0.63% ROA, 80% efficiency ratio.

#3,388
largest of 4,313 FDIC banks by assets
21st
percentile by asset size, nationally
29.55%
Tier 1 ratio - above the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 1937 · MO B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3058/4307
  • PHOTO-FINISH Farmers and Merchant… · MD
  • TIER1-WELL 29.5% Tier 1
  • TEXAS-CLEAN 8.3% Texas
  • ROA-THIN 0.63% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Farmers and Merchants Bank, MD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Crocker

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Crocker · MO · this …70/100Community State Bank · IN · …70/100Farmers and Merchant… · MD ·…70/100The First National B… · NV ·…70/100Valley Bank of Kalis… · MT ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Crocker · July 2026

Call Report read for Bank of Crocker in a high-failure state

Bank of Crocker (FDIC Cert #1937) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,058 of 4,307. Tier 1 capital prints at 29.55%, clearing the 10% well-capitalized line. The Texas Ratio is 8.31%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.63%. Balance-sheet scale is $146M, 3,388th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers and Merchants Bank (MD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Crocker

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Bank of Crocker sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Bank of Crocker's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Bank of Crocker's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Bank of Crocker's composite health score
Tier 1 Capital Ratio (29.55%) 40/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (8.31%) 16/20
Efficiency Ratio (80.09%) 0/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$146M

Total balance-sheet footings

Total Deposits

$130M

Customer-funded liabilities

Net Loans

$48M

Outstanding loan book

Net Income

$909K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 28.15% 29.55% 30.95%
Basel III capital ratios - Bank of Crocker

Where Bank of Crocker ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Crocker's score of 70/100 falls in the highlighted band.

Bank of Crocker: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Crocker 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Crocker'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 of Crocker's $146M falls in the highlighted band.

Capital & credit buffers at Bank of Crocker

Tier 1 capital ratio
Well-capitalized 10%

29.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
29.55%
Texas Ratio
8.31%
Equity Capital
$16M

What these ratios mean →

Profitability metrics: Bank of Crocker

Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
6.40%
Efficiency Ratio
80.09%

What these mean →

Income & expense at Bank of Crocker

$6M
Interest Income
$334K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Crocker reports a Texas Ratio of 8.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Crocker on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($146M here), outside Missouri so the neighborhood is not state containment.

American Heritage Bank $146M · NM The Bank of Protection $146M · KS The Twin Valley Bank $146M · OH Prime Security Bank $146M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Crocker (FDIC Cert #1937) - 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.

Bank of Crocker Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%