The Bank of Missouri
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Missouri is an FDIC-insured commercial bank headquartered in Perryville, MO, established in 1891 (FDIC certificate 1617), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.23B, up 36.0% from Q2 2025, the 11th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.30% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1617
- Headquarters
- Perryville, MO
- Established
- 1891
- Total assets, Q2 2026
- $4.23B
- Assets vs Q2 2025
- +36.0%
- CET1 ratio, Q2 2026
- 10.30%
- Domestic offices
- 32 FDIC institution directory, current count
- Routing number
- 081903867
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Missouri Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- RELIABLE COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 11th of 191 in Missouri
Problem loans are rising at The Bank of Missouri. Based in Perryville, Missouri, it had $4.2 billion in assets at June 30, 2026, up 36.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.50% of loans from 0.19% a year earlier. It holds common equity equal to 10.30% of its risk-weighted assets, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 13.50%). It also grew its loan book 48.0% over the year, 8.0 times the median of 6.0% for banks its size.
Earnings fell sharply: quarterly net income of $11 million was 70% below a year earlier. The commercial and industrial book ($1.0 billion) is worsening: 4.00% of it is past due or on nonaccrual, up from 0.34% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.8% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, The Bank of Missouri reported a CET1 capital ratio of 10.30%, a return on assets of 1.00%, a nonperforming-loan ratio of 1.53% and a Texas ratio of 11.79%. The figures come from its call report filed with the FFIEC.
The Bank of Missouri ranks as the 11th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $4.23B, loans rose 0.6% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 32.7% of total loans, ahead of 1-4 family residential loans at 21.6%. Its 32 offices in the FDIC Summary of Deposits are in 24 cities in MO; its Clayton office books 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 916 N Kings Hwy, Perryville, MO 63775
- County
- Perry
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- November 7, 1891
- Former names
- The Bank of Missouri (1997)
- Domestic offices
- 32 FDIC institution directory, current count
- Employees (FTE)
- 573
- Domestic deposits
- $3.58B
- Allowance for credit losses
- $48.1M
- Net charge-offs (YTD)
- $13.3M
- Average total assets
- $4.22B
- Average total loans
- $3.17B
- Average interest-bearing deposits
- $3.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1617
- Fed RSSD
- 330855
- SEC CIK
- 843866 → filed by RELIABLE COMMUNITY BANCSHARES, INC.
- Website
- WWW.BANKOFMISSOURI.COM →
- Parent Holding Company
- RELIABLE COMMUNITY BANCSHARES, INC. (RSSD 1416439)
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
The Bank of Missouri's total assets moved between a low of $2.90B (Q3 2023) and a high of $4.24B (Q1 2026) from Q3 2023 to 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
$4.23B total assets against $3.11B; $3.73B total liabilities against $2.77B.
$3.13B net loans and leases against $2.13B; $3.58B total deposits against $2.53B.
$572.9M securities against $612.2M; $51.5M cash and balances due against $42.7M.
$55.2M total interest income against $35.5M; $21.0M total interest expense against $15.3M.
$34.2M net interest income against $20.2M.
$12.7M total noninterest income against $44.9M; $34.2M total noninterest expense against $26.0M.
$412K provision for credit losses against $300K.
$10.6M net income against $34.7M.
1.00% return on assets against 4.58%; 3.65% net interest margin against 2.93%.
10.30% CET1 capital ratio against 12.94%; 9.15% tier 1 leverage ratio against 10.59%.
Inside the full The Bank of Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Missouri rankings
Its closest position to the top of a national ranking is 318 of 4,196, for total assets; its furthest is 2,066 of 2,134, for CET1 ratio.
Banks merged into The Bank of Missouri
- M1 Bank, effective March 21, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 4.58% (Q2 2025) and its net interest margin ran from 2.44% (Q3 2024) to 3.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.30% | 1.00% | 1.53% | 11.79% | 3.65% |
| Q1 2026 | 10.36% | 0.94% | 0.25% | 1.62% | 3.43% |
| Q4 2025 | 13.45% | 0.55% | 0.35% | 2.11% | 3.29% |
| Q3 2025 | 13.33% | 0.95% | 0.32% | 1.75% | 3.17% |
| Q2 2025 | 12.94% | 4.58% | 0.22% | 1.27% | 2.93% |
| Q1 2025 | 12.27% | 0.57% | 0.21% | 1.28% | 2.63% |
| Q4 2024 | 12.43% | 0.64% | 0.22% | 1.26% | 2.58% |
| Q3 2024 | 12.50% | 0.48% | 0.22% | 1.26% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
View all 32 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 |
|---|---|---|---|
| M1 Bank Clayton Branch | Clayton , MO | 63105 | $676.1M |
| The Bank of Missouri | Perryville , MO | 63775 | $545.8M |
| Des Peres Branch | Des Peres , MO | 63131 | $363.8M |
| Columbia Branch | Columbia , MO | 65201 | $179.9M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $159.7M |
| Jackson Branch | Jackson , MO | 63755 | $153.7M |
| South Springfield Avenue Bank Branch | Bolivar , MO | 65613 | $140.3M |
| St. Robert Branch | Saint Robert , MO | 65584 | $114.5M |
| Rolla Branch | Rolla , MO | 65401 | $106.3M |
| The Bank of Missouri | Scott City , MO | 63780 | $102.2M |
| Marble Hill Branch | Marble Hill , MO | 63764 | $86.3M |
| Branson Branch | Branson , MO | 65616 | $85.8M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $77.5M |
| Countryside Bank Branch | Republic , MO | 65738 | $71.2M |
| Martinsburg Bank and Trust Branch | Mexico , MO | 65265 | $69.8M |
| Bolivar Branch | Bolivar , MO | 65613 | $66.1M |
| Springfield Branch | Springfield , MO | 65807 | $57.6M |
| Jackson Branch | Jackson , MO | 63755 | $54.0M |
| Bank Star of the Bootheel Branch | Steele , MO | 63877 | $52.9M |
| The Bank of Missouri | Ozark , MO | 65721 | $51.0M |
| Caruthersville Branch | Caruthersville , MO | 63830 | $50.9M |
| The Bank of Missouri | Springfield , MO | 65804 | $49.1M |
| Martinsburg Branch | Martinsburg , MO | 65264 | $46.7M |
| Broadway Branch | Cape Girardeau , MO | 63701 | $44.6M |
| Montgomery City Branch | Montgomery City , MO | 63361 | $40.6M |
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 |
|---|---|---|---|
| March 21, 2026 | Structure Change | Acquired M1 Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 2020 | Structure Change | Acquired Bank of Bolivar Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2018 | Structure Change | Acquired Mid America Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2018 | Structure Change | Acquired Martinsburg Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2015 | Structure Change | Acquired Bank Star of the BootHeel Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Security Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2008 | Structure Change | Acquired Countryside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 1951 | Structure Change | Acquired Brazeau Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in MO, rank 12 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,167 applications, 833 loans originated, $197.6M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $8.6M approved, $429K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 The Bank of Missouri
What are The Bank of Missouri's total assets?
As of the Q2 2026 filing, The Bank of Missouri reported total assets of $4.23 billion in its FFIEC call report.
Where is The Bank of Missouri headquartered?
It is headquartered in Perryville, MO, United States.
When was The Bank of Missouri founded?
It was established in 1891, per the FDIC institution directory.
Is The Bank of Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Missouri?
The Bank of Missouri's primary federal regulator is the FDIC.
What is The Bank of Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of Missouri operate?
It operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Missouri's Texas Ratio?
Its Texas Ratio is 11.79% 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.
What was The Bank of Missouri previously called?
The charter now named The Bank of Missouri has also operated as The Bank of Missouri (1997), per FDIC structure-change records.
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