Total Assets
$135M
Total balance-sheet footings
FDIC Cert #11003 · Bolivar, Missouri · Est. 1910
Grand Missouri Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $135M
- Total assets
- C
- Health grade · Fair
- -0.16%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
Grand Missouri Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 13.98% Tier 1, -0.16% ROA, 63% efficiency ratio.
- #3,479
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 13.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Grand Missouri Bank's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Grand Missouri Bank's composite health score
Tier 1 Capital Ratio (13.98%) 35/40
Return on Assets (ROA) (-0.16%) 0/25
Texas Ratio (1.33%) 20/20
Efficiency Ratio (63.01%) 8/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$112M
Customer-funded liabilities
Net Loans
$112M
Outstanding loan book
Net Income
$-204K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Grand Missouri Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Grand Missouri Bank's score of 63/100 falls in the highlighted band.
Grand Missouri 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). Grand Missouri Bank's $135M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.98%
Texas Ratio
1.33%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.16%
Return on Equity (ROE)
-1.01%
Efficiency Ratio
63.01%
What the numbers say about Grand Missouri Bank
Grand Missouri Bank is an FDIC-insured institution (Certificate #11003) headquartered in Bolivar, Missouri, established in 1910. It holds $135M in total assets - 3,479th of 4,313 FDIC-insured banks, $112M in customer deposits, and $112M in net loans. On safety, its Tier 1 capital ratio of 13.98% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.33% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (63/100), 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.
By assets, Grand Missouri Bank ranks 156th of 198 banks based in Missouri -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$264K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Grand Missouri Bank reports a Texas Ratio of 1.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Grand Missouri Bank
Grand Missouri Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-204K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Grand Missouri Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Grand Missouri Bank (FDIC Cert #11003) - 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 Grand Missouri Bank's health grade?▼
Grand Missouri Bank receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Grand Missouri Bank?▼
Grand Missouri Bank holds $135M in total assets and $112M in deposits, ranking 3,479th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bolivar, Missouri.
Is my money safe at Grand Missouri Bank?▼
Yes, deposits at Grand Missouri Bank (Certificate #11003) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Grand Missouri Bank's Tier 1 Capital Ratio?▼
Grand Missouri Bank has a Tier 1 Capital Ratio of 13.98%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Grand Missouri Bank?▼
Grand Missouri Bank has a Texas Ratio of 1.33%. 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 Grand Missouri Bank?▼
Grand Missouri Bank has an Efficiency Ratio of 63.01%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Grand Missouri Bank's profile as a depositor or analyst.
- Grand Missouri Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Grand Missouri 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.