The Bank of Old Monroe
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Old Monroe is an FDIC-insured commercial bank headquartered in Old Monroe, MO, established in 1906 (FDIC certificate 1655), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $994.6M, up 11.2% from Q2 2025, the 37th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.55% 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
- 1655
- Headquarters
- Old Monroe, MO
- Established
- 1906
- Total assets, Q2 2026
- $994.6M
- Assets vs Q2 2025
- +11.2%
- Tier 1 leverage ratio, Q2 2026
- 10.55%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081011461
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Old Monroe call report
- Holding company
- CUIVRE RIVER BANCSHARES, INC.
- Asset rank in state
- 37th of 191 in Missouri
The Bank of Old Monroe is one of the more profitable banks of its size. It reported $995 million in assets at June 30, 2026, up 11.2% from a year earlier. It returns 21.8% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 21.1% and deposits rose 9.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $39 million equal 35% of Tier 1 capital, down from 50% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Bank of Old Monroe reported a return on assets of 1.42%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Old Monroe is the 37th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 2.3% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by construction and land development loans, at 35.2% of total loans, followed by 1-4 family residential loans at 19.7%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MO; its Old Monroe office books 52% of its branch deposits. On its Q2 2026 call report, The Bank of Old Monroe meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2100 Highway C, Old Monroe, MO 63369
- County
- Lincoln
- Metro Area
- St. Louis, MO-IL
- 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
- September 19, 1906
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 84
- Domestic deposits
- $916.6M
- Allowance for credit losses
- $11.6M
- Net charge-offs (YTD)
- -$146K
- Average total assets
- $1.03B
- Average total loans
- $655.6M
- Average interest-bearing deposits
- $709.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1655
- Fed RSSD
- 880855
- SEC CIK
- 1909196 → filed by CUIVRE RIVER BANCSHARES, INC.
- Website
- www.bankofoldmonroe.com →
- Parent Holding Company
- CUIVRE RIVER BANCSHARES, INC. (RSSD 2315164)
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, The Bank of Old Monroe reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Old Monroe's total assets ranged from $658.3M (Q3 2023) to $994.6M (Q1 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
$994.6M total assets against $894.5M; $924.2M total liabilities against $844.0M.
$657.5M net loans and leases against $544.8M; $916.6M total deposits against $835.5M.
$284.9M securities against $279.2M; $19.9M cash and balances due against $41.9M.
$13.7M total interest income against $12.8M; $5.1M total interest expense against $4.6M.
$8.6M net interest income against $8.2M.
$1.2M total noninterest income against $953K; $4.2M total noninterest expense against $3.8M.
$1.9M provision for credit losses against $318K.
$3.7M net income against $5.1M.
1.42% return on assets against 2.16%; 3.51% net interest margin against 3.70%.
10.55% tier 1 leverage ratio against 10.79%.
Inside the full The Bank of Old Monroe 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.
The Bank of Old Monroe rankings
Its closest position to the top of a national ranking is 281 of 3,606, for efficiency ratio; its furthest is 3,317 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.42% (Q2 2026) to 2.18% (Q3 2024) and its net interest margin ran from 3.47% (Q1 2025) to 3.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.55% | 1.42% | 0.00% | 0.02% | 3.51% |
| Q1 2026 | 10.68% | 1.68% | 0.08% | 0.73% | 3.57% |
| Q4 2025 | 10.79% | 1.86% | 0.05% | 0.40% | 3.89% |
| Q3 2025 | 10.64% | 2.02% | 0.00% | 0.01% | 3.76% |
| Q2 2025 | 10.79% | 2.16% | 0.00% | 0.01% | 3.70% |
| Q1 2025 | 10.57% | 2.05% | 0.00% | 0.04% | 3.47% |
| Q4 2024 | 10.40% | 1.89% | 0.00% | 0.04% | 3.52% |
| Q3 2024 | 10.72% | 2.18% | 0.00% | 0.02% | 3.76% |
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 |
|---|---|---|---|
| The Bank of Old Monroe | Old Monroe , MO | 63369 | $475.7M |
| Bank of Old Monroe - Wentzville Facility | Wentzville , MO | 63385 | $129.5M |
| Bank of Old Monroe-Moscow Mills Branch | Moscow Mills , MO | 63362 | $122.8M |
| Troy Branch | Troy , MO | 63379 | $101.1M |
| O'Fallon Branch | O Fallon , MO | 63366 | $87.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 47 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 385 applications, 317 loans originated, $84.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.4M approved, $1.4M 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 The Bank of Old Monroe
What are The Bank of Old Monroe's total assets?
As of the Q2 2026 filing, The Bank of Old Monroe reported total assets of $994.6 million in its FFIEC call report.
Where is The Bank of Old Monroe headquartered?
It is headquartered in Old Monroe, MO, United States.
When was The Bank of Old Monroe founded?
It was established in 1906, per the FDIC institution directory.
Is The Bank of Old Monroe FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1655). 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 Old Monroe?
The Bank of Old Monroe's primary federal regulator is the FDIC.
How many branches does The Bank of Old Monroe 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 The Bank of Old Monroe's Texas Ratio?
Its Texas Ratio is 0.02% 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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