Total Assets
$190M
Total balance-sheet footings
FDIC Cert #1941 · Tipton, Missouri · Est. 1906
The Tipton Latham Bank, National Association - FDIC Bank Health Profile
A community-scale look at The Tipton Latham Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $190M
- Total assets
- A
- Health grade · Excellent
- 1.24%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
The Tipton Latham Bank, National Association earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.80% Tier 1, profitable at 1.24% ROA, efficient (58% cost ratio).
- #3,081
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 10.80%
- Tier 1 ratio - above the 10% well-capitalized line
- 60th
- 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 Tipton Latham Bank, National Association's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Tipton Latham Bank, National Association's composite health score
Tier 1 Capital Ratio (10.80%) 28/40
Return on Assets (ROA) (1.24%) 20/25
Texas Ratio (3.50%) 20/20
Efficiency Ratio (57.62%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$164M
Customer-funded liabilities
Net Loans
$139M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Tipton Latham Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Tipton Latham Bank, National Association's score of 80/100 falls in the highlighted band.
The Tipton Latham Bank, National Association'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 Tipton Latham Bank, National Association's $190M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.80%
Texas Ratio
3.50%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
60th percentile nationally
1.24%
Return on Equity (ROE)
13.45%
Efficiency Ratio
57.62%
What the numbers say about The Tipton Latham Bank, National Association
The Tipton Latham Bank, National Association is an FDIC-insured institution (Certificate #1941) headquartered in Tipton, Missouri, established in 1906. It holds $190M in total assets - 3,081st of 4,313 FDIC-insured banks, $164M in customer deposits, and $139M in net loans. Looking at capital strength, Tier 1 stands at 10.80%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.50%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), 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.
Within Missouri, The Tipton Latham Bank, National Association ranks 131st of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$11M
Interest Income
$357K
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 Tipton Latham Bank, National Association reports a Texas Ratio of 3.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.50% - 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 Tipton Latham Bank, National Association (FDIC Cert #1941) - 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 Tipton Latham Bank, National Association's health grade?▼
The Tipton Latham Bank, National Association receives a health grade of A (80/100) 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 Tipton Latham Bank, National Association?▼
The Tipton Latham Bank, National Association holds $190M in total assets and $164M in deposits, ranking 3,081st of 4,313 FDIC-insured banks by asset size. It is headquartered in Tipton, Missouri.
Is my money safe at The Tipton Latham Bank, National Association?▼
Yes, deposits at The Tipton Latham Bank, National Association (Certificate #1941) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Tipton Latham Bank, National Association's Tier 1 Capital Ratio?▼
The Tipton Latham Bank, National Association has a Tier 1 Capital Ratio of 10.80%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Tipton Latham Bank, National Association?▼
The Tipton Latham Bank, National Association has a Texas Ratio of 3.50%. 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 Tipton Latham Bank, National Association?▼
The Tipton Latham Bank, National Association has an Efficiency Ratio of 57.62%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Tipton Latham Bank, National Association's profile as a depositor or analyst.
- The Tipton Latham Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Tipton Latham Bank, National Association 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.