Bank of Weston
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Data as of · sourced from FFIEC call reports. How we update
Bank of Weston is an FDIC-insured commercial bank headquartered in Weston, MO, established in 1893 (FDIC certificate 1418), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $246.5M, up 10.5% from Q2 2025, the 113th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.53% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1418
- Headquarters
- Weston, MO
- Established
- 1893
- Total assets, Q2 2026
- $246.5M
- Assets vs Q2 2025
- +10.5%
- CET1 ratio, Q2 2026
- 12.53%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101205050
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Weston call report
- Holding company
- WILSON BANCSHARES, INC.
- Asset rank in state
- 113th of 191 in Missouri
Bank of Weston is one of the more profitable banks of its size. Its balance sheet stood at $246 million at June 30, 2026, up 10.5% from a year earlier; it is based in Weston, Missouri. It returns 21.7% 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%). On the other hand, it funds 8.79% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $1.1 million, 39% above the same quarter a year earlier. Over the same year, loans grew 6.0% and deposits grew 10.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of Weston reported a CET1 capital ratio of 12.53%, a return on assets of 1.77%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 7.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Weston is the 113th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $246.5M, loans rose 1.6% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.4% of total loans, ahead of 1-4 family residential loans at 29.9%. Its 3 offices in the FDIC Summary of Deposits are in Weston, MO, Platte City, MO and Kansas City, MO; its Weston office books 43% of its branch deposits. Judged on its Q2 2026 call report, Bank of Weston meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 18255 Highway 45 North, Weston, MO 64098
- County
- Platte
- Metro Area
- Kansas City, MO-KS
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 21, 1893
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $225.4M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $244.0M
- Average total loans
- $177.7M
- Average interest-bearing deposits
- $164.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1418
- Fed RSSD
- 393355
- Website
- www.bankofweston.com →
- Parent Holding Company
- WILSON BANCSHARES, INC. (RSSD 1060104)
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 of Weston's total assets ran between $197.7M (Q3 2023) and $246.5M (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
$246.5M total assets against $223.0M; $226.1M total liabilities against $205.4M.
$179.1M net loans and leases against $169.0M; $225.4M total deposits against $204.8M.
$46.1M securities against $43.1M; $15.7M cash and balances due against $5.2M.
$3.6M total interest income against $3.3M; $842K total interest expense against $902K.
$2.8M net interest income against $2.3M.
$197K total noninterest income against $231K; $1.5M total noninterest expense against $1.4M.
$60K provision for credit losses against $118K.
$1.1M net income against $779K.
1.77% return on assets against 1.40%; 4.71% net interest margin against 4.32%.
12.53% CET1 capital ratio against 11.47%; 8.79% tier 1 leverage ratio against 8.40%.
Inside the full Bank of Weston 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 Weston rankings
Its closest position to the top of a national ranking is 786 of 3,611, for ROA; its furthest is 1,544 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.51% (Q4 2024) to 1.97% (Q1 2026) and its net interest margin ran from 3.82% (Q4 2024) to 4.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | 1.77% | 0.90% | 7.35% | 4.71% |
| Q1 2026 | 12.28% | 1.97% | 0.51% | 4.23% | 4.57% |
| Q4 2025 | 11.62% | 0.71% | 0.91% | 7.45% | 4.70% |
| Q3 2025 | 11.93% | 1.45% | 0.58% | 4.81% | 4.49% |
| Q2 2025 | 11.47% | 1.40% | 0.86% | 7.44% | 4.32% |
| Q1 2025 | 11.37% | 1.04% | 0.42% | 3.74% | 4.06% |
| Q4 2024 | 11.37% | 0.51% | 0.02% | 0.18% | 3.82% |
| Q3 2024 | 11.67% | 0.94% | 0.03% | 0.28% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Weston (main office) | Weston , MO | 64098 | $97.4M |
| Platte City Branch | Platte City , MO | 64079 | $70.7M |
| Kansas City Branch | Kansas City , MO | 64151 | $57.2M |
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 |
|---|---|---|---|
| March 4, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 4, 1993 | Structure Change | Acquired Landmark KCI Bank 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 137 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.0M approved, $500K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 Weston
What are Bank of Weston's total assets?
As of the Q2 2026 filing, Bank of Weston reported total assets of $246.5 million in its FFIEC call report.
Where is Bank of Weston headquartered?
It is headquartered in Weston, MO, United States.
When was Bank of Weston founded?
It was established in 1893, per the FDIC institution directory.
Is Bank of Weston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Weston?
Bank of Weston's primary federal regulator is the FDIC.
What is Bank of Weston's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.53% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Weston operate?
It operates 3 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 Weston's Texas Ratio?
Its Texas Ratio is 7.35% 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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