Bank 21
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Data as of · sourced from FFIEC call reports. How we update
Bank 21 is an FDIC-insured commercial bank headquartered in Carrollton, MO, established in 1912 (FDIC certificate 8560), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $202.1M, up 9.8% from Q2 2025, the 125th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.58% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8560
- Headquarters
- Carrollton, MO
- Established
- 1912
- Total assets, Q2 2026
- $202.1M
- Assets vs Q2 2025
- +9.8%
- CET1 ratio, Q2 2026
- 12.58%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101908988
- Holding company
- KNOTT HOLDING COMPANY, INC.
- Asset rank in state
- 125th of 191 in Missouri
Bank 21 is one of the more profitable banks of its size. Based in Carrollton, Missouri, it had $202 million in assets at June 30, 2026, up 9.8% from a year earlier. It earns about $2.78 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.27 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 11.3% and deposits rose 7.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Bank 21 reported a CET1 capital ratio of 12.58%, a return on assets of 2.78%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 4.42%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Bank 21 is the 125th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $202.1M, loans rose 2.9% and deposits rose 2.0%. 1-4 family residential loans made up 28.9% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 23.1%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Carrollton 2 offices book 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank 21 meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 W Washington St, Carrollton, MO 64633
- County
- Carroll
- 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 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- August 12, 1912
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $164.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$39K
- Average total assets
- $196.3M
- Average total loans
- $181.1M
- Average interest-bearing deposits
- $121.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8560
- Fed RSSD
- 634544
- Website
- www.bank21.com →
- Parent Holding Company
- KNOTT HOLDING COMPANY, INC. (RSSD 1060047)
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, Bank 21's total assets ran between $158.7M (Q3 2023) and $202.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$202.1M total assets against $184.0M; $179.5M total liabilities against $164.1M.
$180.4M net loans and leases against $162.1M; $164.7M total deposits against $153.3M.
$2.2M securities against $2.2M; $10.7M cash and balances due against $10.3M.
$3.4M total interest income against $3.1M; $916K total interest expense against $840K.
$2.5M net interest income against $2.2M.
$106K total noninterest income against $214K; $1.2M total noninterest expense against $1.2M.
$10K provision for credit losses against $0.
$1.4M net income against $1.3M.
2.78% return on assets against 2.85%; 5.27% net interest margin against 5.35%.
12.58% CET1 capital ratio against 12.12%; 11.51% tier 1 leverage ratio against 11.28%.
Inside the full Bank 21 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Bank 21 rankings
Its closest position to the top of a national ranking is 105 of 3,611, for ROA; its furthest is 1,532 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.97% (Q1 2025) to 2.85% (Q2 2025) and its net interest margin ran from 5.07% (Q3 2024) to 5.48% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.58% | 2.78% | 0.05% | 4.42% | 5.27% |
| Q1 2026 | 12.80% | 2.76% | 0.06% | 4.68% | 5.23% |
| Q4 2025 | 12.23% | 2.52% | 0.04% | 6.73% | 5.22% |
| Q3 2025 | 11.84% | 2.76% | 0.29% | 8.90% | 5.48% |
| Q2 2025 | 12.12% | 2.85% | 0.05% | 8.77% | 5.35% |
| Q1 2025 | 12.58% | 1.97% | 0.06% | 9.83% | 5.13% |
| Q4 2024 | 12.27% | 2.68% | 0.06% | 11.33% | 5.18% |
| Q3 2024 | 11.67% | 2.37% | 0.07% | 12.38% | 5.07% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Bank 21 (main office) | Carrollton , MO | 64633 | $68.6M |
| Bank 21 (main office) | Blue Springs , MO | 64014 | $67.4M |
| Sedalia Branch East | Sedalia , MO | 65301 | $18.6M |
| 586 West Arrow Branch | Marshall , MO | 65340 | $10.1M |
| North Mason Branch | Carrollton , MO | 64633 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 30, 2013 | Structure Change | Acquired The First National Bank of Carrollton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 29, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 155 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 106 applications, 94 loans originated, $14.4M originated, across 2 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $302K approved, $151K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Bank 21
What are Bank 21's total assets?
As of the Q2 2026 filing, Bank 21 reported total assets of $202.1 million in its FFIEC call report.
Where is Bank 21 headquartered?
It is headquartered in Carrollton, MO, United States.
When was Bank 21 founded?
It was established in 1912, per the FDIC institution directory.
Is Bank 21 FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank 21?
Bank 21's primary federal regulator is the FDIC.
What is Bank 21's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.58% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank 21 operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank 21's Texas Ratio?
Its Texas Ratio is 4.42% 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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