Bank of New Madrid
BankRegReports is independent of Bank of New Madrid and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Bank of New Madrid is an FDIC-insured commercial bank headquartered in New Madrid, MO, established in 1933 (FDIC certificate 14701), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $116.6M, down 1.6% from Q2 2025, the 167th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.11% 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
- 14701
- Headquarters
- New Madrid, MO
- Established
- 1933
- Total assets, Q2 2026
- $116.6M
- Assets vs Q2 2025
- -1.6%
- Tier 1 leverage ratio, Q2 2026
- 14.11%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081517965
- Latest call report
- Q2 2026, FFIEC 051 · Bank of New Madrid call report
- Holding company
- DIXIE BANCSHARES CORP.
- Asset rank in state
- 167th of 191 in Missouri
Bank of New Madrid, based in New Madrid, Missouri, reported $117 million in assets at June 30, 2026, down 1.6% from a year earlier. It lost 4.1% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also holds commercial real estate loans equal to only 26% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 6.7% and deposits fell 4.1%.
As of June 30, 2026, Bank of New Madrid reported a return on assets of 1.93%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of New Madrid is the 167th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 5.4% to $116.6M, loans rose 9.3% and deposits fell 7.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.6% of total loans, ahead of farmland and other real estate loans at 25.4%. The FDIC Summary of Deposits lists 2 offices for it, in New Madrid, MO and Portageville, MO; its New Madrid office books 89% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of New Madrid meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 229 Main St, New Madrid, MO 63869
- County
- New Madrid
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $98.9M
- Allowance for credit losses
- $876K
- Net charge-offs (YTD)
- $15K
- Average total assets
- $118.9M
- Average total loans
- $59.5M
- Average interest-bearing deposits
- $74.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 25, 1934
- FDIC Cert
- 14701
- Fed RSSD
- 688556
- Website
- www.bankofnewmadrid.com →
- Parent Holding Company
- DIXIE BANCSHARES CORP. (RSSD 1095272)
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 New Madrid 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 New Madrid's total assets ran between $105.9M (Q3 2023) and $126.5M (Q1 2025), 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
$116.6M total assets against $118.5M; $100.2M total liabilities against $103.5M.
$65.6M net loans and leases against $61.4M; $98.9M total deposits against $103.1M.
$43.3M securities against $42.5M; $5.1M cash and balances due against $12.2M.
$1.5M total interest income against $1.6M; $325K total interest expense against $382K.
$1.2M net interest income against $1.2M.
$138K total noninterest income against $147K; $780K total noninterest expense against $743K.
$0 provision for credit losses against $1K.
$574K net income against $580K.
1.93% return on assets against 1.89%; 4.62% net interest margin against 4.39%.
14.11% tier 1 leverage ratio against 12.96%.
Inside the full Bank of New Madrid terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of New Madrid rankings
Its closest position to the top of a national ranking is 565 of 3,611, for ROA; its furthest is 3,190 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.56% (Q3 2024) to 1.93% (Q2 2026) and its net interest margin ran from 4.09% (Q1 2025) to 4.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.11% | 1.93% | 0.04% | 0.15% | 4.62% |
| Q1 2026 | 13.65% | 1.83% | 0.12% | 0.40% | 4.36% |
| Q4 2025 | 14.20% | 1.72% | 0.12% | 0.46% | 4.53% |
| Q3 2025 | 13.82% | 1.75% | 0.26% | 1.04% | 4.51% |
| Q2 2025 | 12.96% | 1.89% | 0.22% | 0.87% | 4.39% |
| Q1 2025 | 12.44% | 1.64% | 0.33% | 1.27% | 4.09% |
| Q4 2024 | 13.61% | 1.57% | 0.42% | 1.69% | 4.24% |
| Q3 2024 | 13.23% | 1.56% | 0.13% | 0.51% | 4.26% |
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 New Madrid (main office) | New Madrid , MO | 63869 | $87.7M |
| Portageville Branch | Portageville , MO | 63873 | $11.2M |
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 |
|---|---|---|---|
| December 15, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 15, 1989 | Structure Change | Acquired Peoples Bank of Lilbourn Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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 197 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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
Add this badge to your website
Free to use. It shows Bank of New Madrid’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Bank of New Madrid
What are Bank of New Madrid's total assets?
As of the Q2 2026 filing, Bank of New Madrid reported total assets of $116.6 million in its FFIEC call report.
Where is Bank of New Madrid headquartered?
It is headquartered in New Madrid, MO, United States.
When was Bank of New Madrid founded?
It was established in 1933, per the FDIC institution directory.
Is Bank of New Madrid FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of New Madrid?
Bank of New Madrid's primary federal regulator is the FDIC.
How many branches does Bank of New Madrid 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 New Madrid's Texas Ratio?
Its Texas Ratio is 0.15% 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.
Go deeper on Bank of New Madrid.
Get an email when Bank of New Madrid files its next call report, and benchmark it against any peer you choose.
Unlock Bank of New Madrid, freeFree account