BanksBANK 21

BANK 21

CARROLLTON, MOSmallEst. Aug. 12, 1912, midnightFDIC #8560RSSD #634544FDIC
Latest · 2025-12-31

BANK 21 is an 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%. CET1 capital ratio: 12.23%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 6.71%. Operates 5 domestic branches.

Assets
$196M
Deposits
$158M
Loans
$176M
Equity
$21M

Profitability

Return on Assets (ROA)2.48%
Return on Equity (ROE)23.16%
Net Interest Margin5.34%
Yield on Assets7.50%
Cost of Funds2.24%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.00%
Texas Ratio6.71%
NPA Ratio0.81%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio12.23%
Tier 1 Capital12.23%
Total Capital Ratio13.48%
Leverage Ratio11.09%
Loan-to-Deposit111.40%

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