FDIC Cert #16247 · Clarence, Missouri · Est. 1945

Neighbors 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.

Compiled from official public sources by the publisher.
$113M
Total assets
C
Health grade · Fair
-0.77%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Neighbors Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 12.76% Tier 1, -0.77% ROA, 102% efficiency ratio.

#3,642
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
12.76%
Tier 1 ratio - above the 10% well-capitalized line
2nd
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.

FDIC Call Report plate

Cert 16247 · MO C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4125/4307
  • PHOTO-FINISH Generations Bank · NY
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 9.2% Texas
  • ROA-LOSS -0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Generations Bank, NY (±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 Neighbors Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Clarks · NE · near51/100First State Bank · MS · near51/100Generations Bank · NY · near51/100Great North Bank · WI · near51/100Neighbors Bank · MO · this b…51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Neighbors Bank · July 2026

Call Report read for Neighbors Bank in a high-failure state

Neighbors Bank (FDIC Cert #16247) carries a PlainBankData health grade of C at 51/100, 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 #4,125 of 4,307. Tier 1 capital prints at 12.76%, clearing the 10% well-capitalized line. The Texas Ratio is 9.25%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.77%. Balance-sheet scale is $113M, 3,642nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Generations Bank (NY), 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 Neighbors Bank

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

Neighbors Bank 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 Neighbors Bank'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 Neighbors Bank's 51/100 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 avg77/10051/100
Neighbors Bank's composite health score
Tier 1 Capital Ratio (12.76%) 35/40
Return on Assets (ROA) (-0.77%) 0/25
Texas Ratio (9.25%) 16/20
Efficiency Ratio (102.11%) 0/15

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

Balance sheet at a glance

Total Assets

$113M

Total balance-sheet footings

Total Deposits

$94M

Customer-funded liabilities

Net Loans

$80M

Outstanding loan book

Net Income

$-784K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.36% 12.76% 14.16%
Basel III capital ratios - Neighbors Bank

Where Neighbors Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Neighbors Bank's score of 51/100 falls in the highlighted band.

Neighbors Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 4th percentile higher than 4% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Neighbors Bank 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

Neighbors 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). Neighbors Bank's $113M falls in the highlighted band.

Capital & credit buffers at Neighbors Bank

Tier 1 capital ratio
Well-capitalized 10%

12.76% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.76%
Texas Ratio
9.25%
Equity Capital
$14M

What these ratios mean →

Profitability metrics: Neighbors Bank

Return on Assets (ROA)
2nd percentile nationally
-0.77%
Return on Equity (ROE)
-5.41%
Efficiency Ratio
102.11%

What these mean →

Income & expense: loss period at Neighbors Bank

$5M
Interest Income
$44M
Non-Interest Income
$48M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Neighbors Bank reports a Texas Ratio of 9.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Neighbors Bank

Neighbors Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-784K 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 Neighbors 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.

FDIC Failed Bank List → View Neighbors Bank 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 ($113M here), outside Missouri so the neighborhood is not state containment.

Home Savings Bank $113M · UT Security State Bank $113M · IA Peoples Bank of Graceville $113M · FL Home Savings Bank $113M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Neighbors Bank (FDIC Cert #16247) - 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.

Neighbors Bank 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%