State directory · MO

Missouri Banks

Every FDIC-insured bank headquartered in Missouri, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
198
FDIC banks
80/100
Avg health score
$296.7B
Total assets
16
Failures since 2000

Data updated July 2026

The state picture

Missouri's 198 FDIC banks hold $296.7B in assets and average 80/100 on health - 87% earn an A or B grade.

198
FDIC-insured banks
87%
grade A or B (173 banks)
$72.8B
largest - UMB Bank
16
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: Missouri's average health score of 80/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
115
58% of banks
B
58
29% of banks
C
20
10% of banks
D
5
3% of banks
F
0
0% of banks

Largest banks in Missouri

Top 10 Missouri banks by total assets
  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

  6. 6
    Stifel Bank $11.7B

    Saint Louis, MO · Grade A

  7. 7
    First Bank $6.7B

    St. Louis, MO · Grade B

  8. 8
    Great Southern Bank $5.6B

    Reeds Spring, MO · Grade A

  9. 9
    Southern Bank $5.0B

    Poplar Bluff, MO · Grade A

  10. 10
    First State Community Bank $4.5B

    Farmington, MO · Grade A

Top 10 of 198 Missouri banks · FDIC Call Report Q4 2025.

Missouri banks by health grade

0 20 40 60 80 100 120 A B C D F 115 58 20 5 0

How Missouri compares nationally

Missouri ranks #12 of 55 states and territories by average bank health score - better than 80% of them.

States grouped by average health score

All 198 Missouri banks · Page 1 of 2

Bank Assets Grade
UMB Bank, National Association $72.8B A
Commerce Bank $32.7B A
The Central Trust Bank $20.8B A
Stifel Bank and Trust $19.4B A
Enterprise Bank & Trust $17.3B B
Stifel Bank $11.7B A
First Bank $6.7B B
Great Southern Bank $5.6B A
Southern Bank $5.0B A
First State Community Bank $4.5B A
Academy Bank, National Association $3.3B A
Oakstar Bank $3.0B B
The Bank of Missouri $3.0B A
Midwest BankCentre $3.0B A
North American Savings Bank, F.S.B. $3.0B A
Lead Bank $2.6B A
Guaranty Bank $2.4B B
First Bank of the Lake $2.3B B
Omb Bank $2.1B B
Hawthorn Bank $1.9B A
Legacy Bank & Trust Company $1.9B A
BTC Bank $1.6B B
The Nodaway Valley Bank $1.5B A
Sterling Bank $1.5B A
Cass Commercial Bank $1.4B A
SULLIVAN BANK $1.3B B
Wood & Huston Bank $1.3B A
Southwest Missouri Bank $1.2B B
Montgomery Bank $1.2B B
M1 Bank $1.2B B
Bank of Washington $1.2B B
Mid America Bank $1.1B A
Royal Banks of Missouri $1.1B B
Midwest Regional Bank $1.0B D
Parkside Financial Bank & Trust $1.0B A
St. Louis Bank $1.0B C
Triad Bank $979M A
First Federal Bank of Kansas City $976M D
American Bank of Freedom $974M C
HNB National Bank $968M A
The Bank of Old Monroe $951M A
Lindell Bank & Trust Company $940M A
Mid-Missouri Bank $927M A
Stifel Trust Company, National Association $925M A
Peoples Bank & Trust Co. $914M A
Blue Ridge Bank and Trust Co. $883M A
Focus Bank $881M A
MRV Banks $858M D
CNB St Louis Bank $850M B
Peoples Savings Bank of Rhineland $819M B
Freedom Bank of Southern Missouri $803M B
First Midwest Bank of the Ozarks $740M A
Town & Country Bank $722M A
West Plains Bank and Trust Company $719M A
HomeBank $712M B
Peoples Community Bank $707M A
First Midwest Bank of Dexter $679M B
Bank of Odessa $650M A
First State Bank and Trust Company, Inc. $642M A
Verimore Bank $639M A
Phelps County Bank $617M A
The Maries County Bank $607M A
Legends Bank $594M A
Regional Missouri Bank $574M A
Farmers Bank of Northern Missouri $567M A
United Bank of Union $562M C
First State Bank of St. Charles, Missouri $560M A
Table Rock Community Bank $543M A
Belgrade State Bank $535M A
The Bank of Advance $526M A
UNICO Bank $505M B
The Missouri Bank $502M A
The Callaway Bank $498M C
Connections Bank $493M B
People's Bank of Seneca $483M B
F & C Bank $467M A
New Era Bank $439M A
Community Bank and Trust $433M A
Exchange Bank of Missouri $431M B
Heritage Bank of the Ozarks $426M C
Central Bank of Kansas City $414M A
Bank of Franklin County $409M B
Branson Bank $406M B
MA Bank $404M C
Alliance Bank $399M A
Farmers State Bank $393M B
Pony Express Bank $376M A
Bloomsdale Bank $373M A
Midwest Independent BankersBank $359M A
The Bank of Versailles $352M A
Citizens Bank $350M B
Community State Bank of Missouri $349M A
Ozark Bank $347M A
Community Bank of Raymore $338M A
Farmers and Merchants Bank of St. Clair $336M A
Exchange Bank Co. $335M A
Heritage Community Bank $327M C
O'Bannon Banking Company $321M C
Kearney Trust Company $316M A
Putnam County State Bank $314M A

How to read the Missouri bank directory

This page lists every FDIC-insured bank with a primary regulatory address in Missouri. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 198 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across Missouri, 173 institutions (87%) sit in the A or B band, while 5 (3%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 16 banks headquartered in Missouri have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the Missouri directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.