The Bank of Missouri: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Bank of Missouri. Based in Perryville, Missouri, it had $4.2 billion in assets at June 30, 2026, up 36.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.50% of loans from 0.19% a year earlier. It holds common equity equal to 10.30% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also grew its loan book 48.0% over the year, 8.1 times the median of 5.9% for banks its size.
Earnings fell sharply: quarterly net income of $11 million was 70% below a year earlier. The commercial and industrial book ($1.0 billion) is worsening: 4.00% of it is past due or on nonaccrual, up from 0.34% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.8% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, The Bank of Missouri reported a CET1 capital ratio of 10.30%, a return on assets of 1.00%, a nonperforming-loan ratio of 1.53% and a Texas ratio of 11.79%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 916 N Kings Hwy, Perryville, MO 63775
- County
- Perry
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- November 7, 1891
- Former names
- The Bank of Missouri (1997)
- Offices
- 32 domestic
- Employees (FTE)
- 573
- Domestic deposits
- $3.58B
- Allowance for credit losses
- $48.1M
- Net charge-offs (YTD)
- $13.3M
- Average total assets
- $4.22B
- Average total loans
- $3.17B
- Average interest-bearing deposits
- $3.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1617
- Fed RSSD
- 330855
- SEC CIK
- 843866 → filed by RELIABLE COMMUNITY BANCSHARES, INC.
- Website
- WWW.BANKOFMISSOURI.COM →
- Parent Holding Company
- RELIABLE COMMUNITY BANCSHARES, INC. (RSSD 1416439)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Missouri terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Missouri, freeThe Bank of Missouri rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.30% | 1.00% | 1.53% | 11.79% | 3.65% |
| Q1 2026 | 10.36% | 0.94% | 0.25% | 1.62% | 3.43% |
| Q4 2025 | 13.45% | 0.55% | 0.35% | 2.11% | 3.29% |
| Q3 2025 | 13.33% | 0.95% | 0.32% | 1.75% | 3.17% |
| Q2 2025 | 12.94% | 4.58% | 0.22% | 1.27% | 2.93% |
| Q1 2025 | 12.27% | 0.57% | 0.21% | 1.28% | 2.63% |
| Q4 2024 | 12.43% | 0.64% | 0.22% | 1.26% | 2.58% |
| Q3 2024 | 12.50% | 0.48% | 0.22% | 1.26% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 32 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| M1 Bank Clayton Branch | Clayton , MO | 63105 | $676.1M |
| The Bank of Missouri | Perryville , MO | 63775 | $545.8M |
| Des Peres Branch | Des Peres , MO | 63131 | $363.8M |
| Columbia Branch | Columbia , MO | 65201 | $179.9M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $159.7M |
| Jackson Branch | Jackson , MO | 63755 | $153.7M |
| South Springfield Avenue Bank Branch | Bolivar , MO | 65613 | $140.3M |
| St. Robert Branch | Saint Robert , MO | 65584 | $114.5M |
| Rolla Branch | Rolla , MO | 65401 | $106.3M |
| The Bank of Missouri | Scott City , MO | 63780 | $102.2M |
| Marble Hill Branch | Marble Hill , MO | 63764 | $86.3M |
| Branson Branch | Branson , MO | 65616 | $85.8M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $77.5M |
| Countryside Bank Branch | Republic , MO | 65738 | $71.2M |
| Martinsburg Bank and Trust Branch | Mexico , MO | 65265 | $69.8M |
| Bolivar Branch | Bolivar , MO | 65613 | $66.1M |
| Springfield Branch | Springfield , MO | 65807 | $57.6M |
| Jackson Branch | Jackson , MO | 63755 | $54.0M |
| Bank Star of the Bootheel Branch | Steele , MO | 63877 | $52.9M |
| The Bank of Missouri | Ozark , MO | 65721 | $51.0M |
| Caruthersville Branch | Caruthersville , MO | 63830 | $50.9M |
| The Bank of Missouri | Springfield , MO | 65804 | $49.1M |
| Martinsburg Branch | Martinsburg , MO | 65264 | $46.7M |
| Broadway Branch | Cape Girardeau , MO | 63701 | $44.6M |
| Montgomery City Branch | Montgomery City , MO | 63361 | $40.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 21, 2026 | Structure Change | Acquired M1 Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 2020 | Structure Change | Acquired Bank of Bolivar Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2018 | Structure Change | Acquired Mid America Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2018 | Structure Change | Acquired Martinsburg Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2015 | Structure Change | Acquired Bank Star of the BootHeel Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Security Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2008 | Structure Change | Acquired Countryside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 1951 | Structure Change | Acquired Brazeau Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The Bank of Missouri, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in MO, rank 12 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,167 applications, 833 loans originated, $197.6M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $8.6M approved, $429K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of Missouri
What are The Bank of Missouri's total assets?
As of the Q2 2026 filing, The Bank of Missouri reported total assets of $4.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Missouri headquartered?
The Bank of Missouri is headquartered in Perryville, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Bank of Missouri founded?
The Bank of Missouri was established in 1891, per the FDIC institution directory.
Is The Bank of Missouri FDIC-insured?
Yes. The Bank of Missouri is an FDIC-insured commercial bank (FDIC Certificate #1617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Missouri?
The Bank of Missouri's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Missouri's CET1 capital ratio?
The Bank of Missouri reported a Common Equity Tier 1 (CET1) capital ratio of 10.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of Missouri operate?
The Bank of Missouri operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Missouri's Texas Ratio?
The Bank of Missouri's Texas Ratio is 11.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Missouri previously called?
The charter now named The Bank of Missouri has also operated as The Bank of Missouri (1997), per FDIC structure-change records.
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