PREFERRED BANK

ROTHVILLE, MO | Small | Est. Jan. 8, 1904, midnight | FDIC #10628 | RSSD #252452 | FDIC
Latest Report: 2025-12-31

PREFERRED BANK is asn small FDIC-insured commercial bank headquartered in ROTHVILLE, MO, established in Jan. 8, 1904, midnight. As of 2025-12-31, the bank reported total assets of $131M and total deposits of $120M. Profitability stands at 1.01% ROA and 21.83% ROE, with a net interest margin of 3.83%. The bank's CET1 capital ratio is 17.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10628.

Assets

$131M

Deposits

$120M

Loans

$61M

Equity

$6M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 21.83%
Net Interest Margin (NIM) 3.83%
Yield on Assets 4.63%
Cost of Funds 0.78%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.82%

Capital & Liquidity

CET1 Ratio 17.99%
Tier 1 Capital 17.99%
Total Capital Ratio 18.91%
Leverage Ratio 8.07%
Loan-to-Deposit 51.27%

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