Total Assets
$41M
Total balance-sheet footings
FDIC Cert #12225 · Wright City, Missouri · Est. 1910
FMB Bank - FDIC Bank Health Profile
A community-scale look at FMB Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $41M
- Total assets
- B
- Health grade · Good
- 0.52%
- Return on assets
- 14.9%
- Tier 1 capital
Data updated July 2026
The verdict
FMB Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.90% Tier 1, 0.52% ROA, 94% efficiency ratio.
- #4,181
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 14.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- 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 FMB Bank's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
FMB Bank's composite health score
Tier 1 Capital Ratio (14.90%) 35/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (93.83%) 0/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$37M
Customer-funded liabilities
Net Loans
$13M
Outstanding loan book
Net Income
$231K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where FMB Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FMB Bank's score of 69/100 falls in the highlighted band.
FMB 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). FMB Bank's $41M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.90%
Texas Ratio
0.08%
Equity Capital
$4M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.52%
Return on Equity (ROE)
7.46%
Efficiency Ratio
93.83%
What the numbers say about FMB Bank
FMB Bank is an FDIC-insured institution (Certificate #12225) headquartered in Wright City, Missouri, established in 1910. It holds $41M in total assets - 4,181st of 4,313 FDIC-insured banks, $37M in customer deposits, and $13M in net loans. Its capital position: a Tier 1 ratio of 14.90%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.08% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
FMB Bank is a community-scale institution -- 198th of 198 FDIC-insured banks headquartered in Missouri by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$338K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. FMB Bank reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.08% - 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) FMB Bank (FDIC Cert #12225) - 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 FMB Bank's health grade?▼
FMB Bank receives a health grade of B (69/100) 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 FMB Bank?▼
FMB Bank holds $41M in total assets and $37M in deposits, ranking 4,181st of 4,313 FDIC-insured banks by asset size. It is headquartered in Wright City, Missouri.
Is my money safe at FMB Bank?▼
Yes, deposits at FMB Bank (Certificate #12225) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is FMB Bank's Tier 1 Capital Ratio?▼
FMB Bank has a Tier 1 Capital Ratio of 14.90%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for FMB Bank?▼
FMB Bank has a Texas Ratio of 0.08%. 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 FMB Bank?▼
FMB Bank has an Efficiency Ratio of 93.83%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read FMB Bank's profile as a depositor or analyst.
- FMB Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare FMB 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.