BANK 21

CARROLLTON, MO | Small | Est. Aug. 12, 1912, midnight | FDIC #8560 | RSSD #634544 | FDIC
Latest Report: 2025-12-31

BANK 21 is asn small FDIC-insured commercial bank headquartered in CARROLLTON, MO, established in Aug. 12, 1912, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $158M. Profitability stands at 2.48% ROA and 23.16% ROE, with a net interest margin of 5.34%. The bank's CET1 capital ratio is 12.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 6.71%. FDIC Certificate #8560.

Assets

$196M

Deposits

$158M

Loans

$176M

Equity

$21M

Profitability

Return on Assets (ROA) 2.48%
Return on Equity (ROE) 23.16%
Net Interest Margin (NIM) 5.34%
Yield on Assets 7.50%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.71%
NPA Ratio 0.81%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 12.23%
Tier 1 Capital 12.23%
Total Capital Ratio 13.48%
Leverage Ratio 11.09%
Loan-to-Deposit 111.40%

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