Alton Bank
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Data as of · sourced from FFIEC call reports. How we update
Alton Bank is an FDIC-insured commercial bank headquartered in Alton, MO, established in 1924 (FDIC certificate 8276), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $145.0M, up 13.8% from Q2 2025, the 147th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 9.77% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8276
- Headquarters
- Alton, MO
- Established
- 1924
- Total assets, Q2 2026
- $145.0M
- Assets vs Q2 2025
- +13.8%
- CET1 ratio, Q2 2026
- 9.77%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081508602
- Latest call report
- Q2 2026, FFIEC 051 · Alton Bank call report
- Asset rank in state
- 147th of 191 in Missouri
Alton Bank operates with a thinner capital cushion than most banks of its size. It reported $145 million in assets at June 30, 2026, up 13.8% from a year earlier. It holds common equity equal to 9.77% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 17.8% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $325,000, 41% above the same quarter a year earlier. Over the same year, loans grew 17.8% and deposits grew 14.5%. Funding is the softer spot: it pays an average of 2.68% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Alton Bank reported a CET1 capital ratio of 9.77%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 5.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Alton Bank is the 147th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $145.0M, loans rose 0.6% and deposits rose 4.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 52.5% of total loans, ahead of farmland and other real estate loans at 11.5%. The FDIC Summary of Deposits lists 2 offices for it, in Alton, MO and Birch Tree, MO; its Alton office books 60% of its branch deposits. Judged on its Q2 2026 call report, Alton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 28 Medical Dr, Alton, MO 65606
- County
- Oregon
- 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
- —
- Call Report form
- FFIEC 051
- Established
- April 17, 1924
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $127.9M
- Allowance for credit losses
- $553K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $145.4M
- Average total loans
- $80.9M
- Average interest-bearing deposits
- $99.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8276
- Fed RSSD
- 881441
- Website
- www.altonbankmo.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Alton Bank's total assets ran between $114.9M (Q3 2023) and $145.0M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$145.0M total assets against $127.4M; $134.3M total liabilities against $118.1M.
$81.3M net loans and leases against $68.9M; $127.9M total deposits against $111.7M.
$46.8M securities against $45.3M; $10.3M cash and balances due against $6.8M.
$2.0M total interest income against $1.8M; $871K total interest expense against $875K.
$1.1M net interest income against $888K.
$173K total noninterest income against $146K; $926K total noninterest expense against $804K.
$30K provision for credit losses against $0.
$325K net income against $230K.
0.89% return on assets against 0.71%; 3.62% net interest margin against 2.98%.
9.77% CET1 capital ratio against 10.76%; 7.96% tier 1 leverage ratio against 7.98%.
Inside the full Alton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Alton Bank rankings
Its closest position to the top of a national ranking is 1,168 of 3,640, for Texas Ratio; its furthest is 2,113 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q1 2025) to 1.06% (Q1 2026) and its net interest margin ran from 2.53% (Q3 2024) to 3.62% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.77% | 0.89% | 0.52% | 5.78% | 3.62% |
| Q1 2026 | 10.00% | 1.06% | 0.29% | 2.77% | 3.39% |
| Q4 2025 | 10.51% | 0.90% | 0.77% | 6.04% | 3.20% |
| Q3 2025 | 10.75% | 0.64% | 0.45% | 3.09% | 3.04% |
| Q2 2025 | 10.76% | 0.71% | 0.61% | 4.29% | 2.98% |
| Q1 2025 | 10.04% | 0.39% | 0.72% | 5.06% | 2.64% |
| Q4 2024 | 10.32% | 0.48% | 0.78% | 5.88% | 2.66% |
| Q3 2024 | 10.37% | 0.45% | 1.21% | 8.60% | 2.53% |
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Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Alton Bank (main office) | Alton , MO | 65606 | $77.1M |
| Birch Tree Branch | Birch Tree , MO | 65438 | $50.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 174 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $110K approved, $110K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Alton Bank
What are Alton Bank's total assets?
As of the Q2 2026 filing, Alton Bank reported total assets of $145.0 million in its FFIEC call report.
Where is Alton Bank headquartered?
It is headquartered in Alton, MO, United States.
When was Alton Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Alton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Alton Bank?
Alton Bank's primary federal regulator is the FDIC.
What is Alton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.77% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Alton Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Alton Bank's Texas Ratio?
Its Texas Ratio is 5.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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