FDIC Cert #15606 · Hamilton, Missouri · Est. 1938

The Hamilton Bank - FDIC Bank Health Profile

A community-scale look at The Hamilton Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$112M
Total assets
A
Health grade · Excellent
1.51%
Return on assets
16.7%
Tier 1 capital

Data updated July 2026

The verdict

The Hamilton Bank earns a PlainBankData health grade of A (89/100), with well-capitalized at 16.71% Tier 1, profitable at 1.51% ROA, 62% efficiency ratio.

#3,648
largest of 4,313 FDIC banks by assets
15th
percentile by asset size, nationally
16.71%
Tier 1 ratio - above the 10% well-capitalized line
75th
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.

FDIC Call Report plate

Cert 15606 · MO A · 89/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (89/100)
  • UPPER-Q #836/4307
  • PHOTO-FINISH Scribner Bank · NE
  • TIER1-WELL 16.7% Tier 1
  • TEXAS-CLEAN 14.7% Texas
  • ROA-STRONG 1.51% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Scribner Bank, NE (±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 The Hamilton Bank

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

Morgan Stanley Bank,… · UT ·…100/100Scribner Bank · NE · near89/100Southwest Capital Bank · NM …89/100The Bank of San Jaci… · TX ·…89/100The Hamilton Bank · MO · thi…89/100The Peoples Bank · AR · near89/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Hamilton Bank · July 2026

Call Report read for The Hamilton Bank in a high-failure state

The Hamilton Bank (FDIC Cert #15606) carries a PlainBankData health grade of A at 89/100, 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 #836 of 4,307. Tier 1 capital prints at 16.71%, clearing the 10% well-capitalized line. The Texas Ratio is 14.74%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.51%. Balance-sheet scale is $112M, 3,648th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Scribner Bank (NE), 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 The Hamilton Bank

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

The Hamilton 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 The Hamilton 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 The Hamilton Bank's 89/100 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 avg77/10089/100
The Hamilton Bank's composite health score
Tier 1 Capital Ratio (16.71%) 40/40
Return on Assets (ROA) (1.51%) 25/25
Texas Ratio (14.74%) 16/20
Efficiency Ratio (62.18%) 8/15

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

Balance sheet at a glance

Total Assets

$112M

Total balance-sheet footings

Total Deposits

$106M

Customer-funded liabilities

Net Loans

$52M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.31% 16.71% 18.11%
Basel III capital ratios - The Hamilton Bank

Where The Hamilton Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Hamilton Bank's score of 89/100 falls in the highlighted band.

The Hamilton Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

89 Top 19% higher than 81% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Hamilton 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

The Hamilton 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). The Hamilton Bank's $112M falls in the highlighted band.

Capital & credit buffers at The Hamilton Bank

Tier 1 capital ratio
Well-capitalized 10%

16.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.71%
Texas Ratio
14.74%
Equity Capital
$6M

What these ratios mean →

Earnings posture at The Hamilton Bank

Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
34.05%
Efficiency Ratio
62.18%

What these mean →

Income & expense at The Hamilton Bank

$6M
Interest Income
$377K
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. The Hamilton Bank reports a Texas Ratio of 14.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

14.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Hamilton 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 ($112M here), outside Missouri so the neighborhood is not state containment.

The First National Bank of Sparta $112M · IL First State Bank of Beecher City $112M · IL First Mutual Bank, FSB $112M · OH Lone Oak Bank $112M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Hamilton Bank (FDIC Cert #15606) - 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.

The Hamilton 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%