Bank of Billings
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Data as of · sourced from FFIEC call reports. How we update
Bank of Billings is an FDIC-insured commercial bank headquartered in Billings, MO, established in 1889 (FDIC certificate 16959), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $105.0M, up 11.1% from Q2 2025, the 173rd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16959
- Headquarters
- Billings, MO
- Established
- 1889
- Total assets, Q2 2026
- $105.0M
- Assets vs Q2 2025
- +11.1%
- Tier 1 leverage ratio, Q2 2026
- 9.88%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081505964
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Billings call report
- Holding company
- FIRST MIAMI BANCSHARES, INC.
- Asset rank in state
- 173rd of 191 in Missouri
Bank of Billings earns an unusually wide margin on its lending. Its balance sheet stood at $105 million at June 30, 2026, up 11.1% from a year earlier; it is based in Billings, Missouri. It keeps 5.26 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 12.2% over the year, about triple the median of 4.0% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.91% of loans from 1.66%. Deposits are coming in faster than loans: over the year loans rose 7.3% and deposits rose 12.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Bank of Billings reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 6.81%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Bank of Billings is the 173rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $105.0M, loans rose 1.5% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.8% of total loans, followed by construction and land development loans at 21.3%. The FDIC Summary of Deposits lists 2 offices for it, in Billings, MO and Marionville, MO; its Billings office books 67% of its branch deposits. On its Q2 2026 call report, Bank of Billings meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 Ne Elm St, Billings, MO 65610
- County
- Christian
- Metro Area
- Springfield, MO
- 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
- March 14, 1889
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $91.2M
- Allowance for credit losses
- $666K
- Net charge-offs (YTD)
- $49K
- Average total assets
- $105.4M
- Average total loans
- $78.4M
- Average interest-bearing deposits
- $62.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 1, 1950
- FDIC Cert
- 16959
- Fed RSSD
- 572347
- Website
- www.thebankofbillings.com →
- Parent Holding Company
- FIRST MIAMI BANCSHARES, INC. (RSSD 1061316)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Billings reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Billings's total assets ran between $83.8M (Q4 2023) and $105.0M (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
$105.0M total assets against $94.5M; $92.1M total liabilities against $82.2M.
$78.4M net loans and leases against $73.1M; $91.2M total deposits against $81.3M.
$0 securities against $0; $18.1M cash and balances due against $12.9M.
$1.7M total interest income against $1.5M; $410K total interest expense against $357K.
$1.2M net interest income against $1.2M.
$92K total noninterest income against $76K; $961K total noninterest expense against $861K.
$22K provision for credit losses against $15K.
$265K net income against $292K.
1.01% return on assets against 1.21%; 5.26% net interest margin against 5.45%.
9.88% tier 1 leverage ratio against 10.15%.
Inside the full Bank of Billings 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Billings rankings
Its closest position to the top of a national ranking is 979 of 3,640, for Texas Ratio; its furthest is 3,631 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q3 2024) to 1.42% (Q4 2024) and its net interest margin ran from 5.07% (Q1 2026) to 5.88% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 1.01% | 0.91% | 6.81% | 5.26% |
| Q1 2026 | 10.07% | 1.02% | 1.47% | 14.21% | 5.07% |
| Q4 2025 | 10.67% | 1.33% | 0.86% | 9.59% | 5.61% |
| Q3 2025 | 10.46% | 1.27% | 1.27% | 12.70% | 5.65% |
| Q2 2025 | 10.15% | 1.21% | 1.66% | 12.39% | 5.45% |
| Q1 2025 | 10.07% | 1.13% | 0.42% | 3.12% | 5.14% |
| Q4 2024 | 10.72% | 1.42% | 0.53% | 3.86% | 5.87% |
| Q3 2024 | 10.08% | 0.80% | 0.55% | 4.14% | 5.88% |
Swipe the table sideways to see every column.
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 |
|---|---|---|---|
| Bank of Billings (main office) | Billings , MO | 65610 | $60.8M |
| Marionville Branch | Marionville , MO | 65705 | $30.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 202 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $83K approved, $83K 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 Bank of Billings
What are Bank of Billings's total assets?
As of the Q2 2026 filing, Bank of Billings reported total assets of $105.0 million in its FFIEC call report.
Where is Bank of Billings headquartered?
It is headquartered in Billings, MO, United States.
When was Bank of Billings founded?
It was established in 1889, per the FDIC institution directory.
Is Bank of Billings FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16959). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Billings?
Bank of Billings's primary federal regulator is the FDIC.
How many branches does Bank of Billings 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 Bank of Billings's Texas Ratio?
Its Texas Ratio is 6.81% 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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