M1 BANK

CLAYTON, MO | Large | Est. May 15, 1911, midnight | FDIC #9797 | RSSD #666059 | FDIC
Latest Report: 2025-12-31

M1 BANK is aln large FDIC-insured commercial bank headquartered in CLAYTON, MO, established in May 15, 1911, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 0.83% ROA and 8.17% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 9.74%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9797.

Assets

$1.2B

Deposits

$1.1B

Loans

$932M

Equity

$117M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 8.17%
Net Interest Margin (NIM) 4.16%
Yield on Assets 7.60%
Cost of Funds 3.81%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 9.74%
Tier 1 Capital 9.74%
Total Capital Ratio 10.23%
Leverage Ratio 9.93%
Loan-to-Deposit 87.07%

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