Total Assets
$493M
Total balance-sheet footings
FDIC Cert #14025 · Platte City, Missouri · Est. 1934
Connections Bank - FDIC Bank Health Profile
A community-scale look at Connections Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $493M
- Total assets
- B
- Health grade · Good
- 1.75%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Connections Bank earns a PlainBankData health grade of B (78/100), with 9.75% Tier 1 capital, profitable at 1.75% ROA, efficient (45% cost ratio).
- #1,803
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 9.75%
- Tier 1 ratio - below the 10% well-capitalized line
- 84th
- 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.
How Connections Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Connections Bank's composite health score
Tier 1 Capital Ratio (9.75%) 18/40
Return on Assets (ROA) (1.75%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (44.98%) 15/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$439M
Customer-funded liabilities
Net Loans
$411M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Connections Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Connections Bank's score of 78/100 falls in the highlighted band.
Connections Bank'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). Connections Bank's $493M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.75% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.75%
Texas Ratio
0.00%
Equity Capital
$52M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.75%
Return on Equity (ROE)
16.90%
Efficiency Ratio
44.98%
What the numbers say about Connections Bank
Connections Bank is an FDIC-insured institution (Certificate #14025) headquartered in Platte City, Missouri, established in 1934. It holds $493M in total assets - 1,803rd of 4,313 FDIC-insured banks, $439M in customer deposits, and $411M in net loans. Its capital position: a Tier 1 ratio of 9.75%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Connections Bank sits 74th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$31M
Interest Income
$1M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Connections Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) Connections Bank (FDIC Cert #14025) - 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 Connections Bank's health grade?▼
Connections Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Connections Bank?▼
Connections Bank holds $493M in total assets and $439M in deposits, ranking 1,803rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Platte City, Missouri.
Is my money safe at Connections Bank?▼
Yes, deposits at Connections Bank (Certificate #14025) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Connections Bank's Tier 1 Capital Ratio?▼
Connections Bank has a Tier 1 Capital Ratio of 9.75%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Connections Bank?▼
Connections Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Connections Bank?▼
Connections Bank has an Efficiency Ratio of 44.98%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Connections Bank's profile as a depositor or analyst.
- Connections Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Connections Bank 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.