Total Assets
$112M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$106M
Customer-funded liabilities
Net Loans
$52M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
34.05%
Efficiency Ratio
62.18%
What the numbers say about The Hamilton Bank
The Hamilton Bank is an FDIC-insured institution (Certificate #15606) headquartered in Hamilton, Missouri, established in 1938. It holds $112M in total assets - 3,648th of 4,313 FDIC-insured banks, $106M in customer deposits, and $52M in net loans. Its capital position: a Tier 1 ratio of 16.71%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 14.74% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (89 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Hamilton Bank is a community-scale institution -- 175th 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
$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.
Top banks in Missouri by total assets
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.
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 Hamilton Bank's health grade?▼
The Hamilton Bank receives a health grade of A (89/100) 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 Hamilton Bank?▼
The Hamilton Bank holds $112M in total assets and $106M in deposits, ranking 3,648th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hamilton, Missouri.
Is my money safe at The Hamilton Bank?▼
Yes, deposits at The Hamilton Bank (Certificate #15606) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Hamilton Bank's Tier 1 Capital Ratio?▼
The Hamilton Bank has a Tier 1 Capital Ratio of 16.71%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Hamilton Bank?▼
The Hamilton Bank has a Texas Ratio of 14.74%. 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 The Hamilton Bank?▼
The Hamilton Bank has an Efficiency Ratio of 62.18%. 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 The Hamilton Bank's profile as a depositor or analyst.
- The Hamilton Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Hamilton 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.