ALTON BANK

ALTON, MO | Small | Est. April 17, 1924, midnight | FDIC #8276 | RSSD #881441 | FDIC
Latest Report: 2025-12-31

ALTON BANK is asn small FDIC-insured commercial bank headquartered in ALTON, MO, established in April 17, 1924, midnight. As of 2025-12-31, the bank reported total assets of $133M and total deposits of $117M. Profitability stands at 0.91% ROA and 12.01% ROE, with a net interest margin of 3.16%. The bank's CET1 capital ratio is 10.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 3.36%. FDIC Certificate #8276.

Assets

$133M

Deposits

$117M

Loans

$75M

Equity

$10M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 12.01%
Net Interest Margin (NIM) 3.16%
Yield on Assets 5.94%
Cost of Funds 2.77%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.15%
Texas Ratio 3.36%
NPA Ratio 0.27%
ACL / Loans 0.68%

Capital & Liquidity

CET1 Ratio 10.51%
Tier 1 Capital 10.51%
Total Capital Ratio 11.03%
Leverage Ratio 8.21%
Loan-to-Deposit 63.96%

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