Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #1617 · Perryville, Missouri · Est. 1891
The Bank of Missouri - FDIC Bank Health Profile
A community-scale look at The Bank of Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- A
- Health grade · Excellent
- 1.65%
- Return on assets
- 13.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Missouri earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.45% Tier 1, profitable at 1.65% ROA, 64% efficiency ratio.
- #417
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 13.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 81st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Bank of Missouri's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Missouri's composite health score
Tier 1 Capital Ratio (13.45%) 35/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (2.07%) 20/20
Efficiency Ratio (63.83%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.5B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$51M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Missouri's score of 88/100 falls in the highlighted band.
The Bank of Missouri'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). The Bank of Missouri's $3.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.45%
Texas Ratio
2.07%
Equity Capital
$347M
Profitability metrics
Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
15.33%
Efficiency Ratio
63.83%
What the numbers say about The Bank of Missouri
The Bank of Missouri is an FDIC-insured institution (Certificate #1617) headquartered in Perryville, Missouri, established in 1891. It holds $3.0B in total assets - 417th of 4,313 FDIC-insured banks, $2.5B in customer deposits, and $2.1B in net loans. On safety, its Tier 1 capital ratio of 13.45% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.07% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), 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.
The Bank of Missouri's asset base places it among the largest FDIC-insured institutions in the country, 417th of 4,313 nationally, and 13th of 198 banks headquartered in Missouri. Only Oakstar Bank ($3.0B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$142M
Interest Income
$87M
Non-Interest Income
$109M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Missouri reports a Texas Ratio of 2.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.07% - 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) The Bank of Missouri (FDIC Cert #1617) - 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 The Bank of Missouri's health grade?▼
The Bank of Missouri receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of Missouri?▼
The Bank of Missouri holds $3.0B in total assets and $2.5B in deposits, ranking 417th of 4,313 FDIC-insured banks by asset size. It is headquartered in Perryville, Missouri.
Is my money safe at The Bank of Missouri?▼
Yes, deposits at The Bank of Missouri (Certificate #1617) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Missouri's Tier 1 Capital Ratio?▼
The Bank of Missouri has a Tier 1 Capital Ratio of 13.45%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Missouri?▼
The Bank of Missouri has a Texas Ratio of 2.07%. 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 The Bank of Missouri?▼
The Bank of Missouri has an Efficiency Ratio of 63.83%. 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 The Bank of Missouri's profile as a depositor or analyst.
- The Bank of Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Missouri 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.