Bloomsdale Bank
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Data as of · sourced from FFIEC call reports. How we update
Bloomsdale Bank is an FDIC-insured commercial bank headquartered in Bloomsdale, MO, established in 1914 (FDIC certificate 9788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $390.2M, up 7.4% from Q2 2025, the 85th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.39% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9788
- Headquarters
- Bloomsdale, MO
- Established
- 1914
- Total assets, Q2 2026
- $390.2M
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 12.39%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081914814
- Holding company
- PEOPLES COMMUNITY BANCORPORATION, INC.
- Asset rank in state
- 85th of 191 in Missouri
Bloomsdale Bank is one of the more profitable banks of its size. The Bloomsdale, Missouri bank had $390 million in assets at June 30, 2026, up 7.4% from a year earlier. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 20% from a year earlier, to $2.3 million. Over the same year, loans grew 12.2% and deposits grew 5.9%. Where it has less room is capital: it funds 8.94% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Bloomsdale Bank reported a CET1 capital ratio of 12.39%, a return on assets of 2.29%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.44%. The figures come from its call report filed with the FFIEC.
Bloomsdale Bank ranks as the 85th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.8% to $390.2M, loans rose 6.5% and deposits fell 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.2% of total loans, followed by owner-occupied commercial real estate loans at 13.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Bloomsdale office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bloomsdale Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 55 Mill Hill Rd, Bloomsdale, MO 63627
- County
- Ste. Genevieve
- 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
- May 1, 1914
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $356.8M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $397.2M
- Average total loans
- $271.6M
- Average interest-bearing deposits
- $283.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9788
- Fed RSSD
- 820842
- Website
- www.bloomsdalebank.com →
- Parent Holding Company
- PEOPLES COMMUNITY BANCORPORATION, INC. (RSSD 1416505)
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, Bloomsdale Bank's total assets ran between $315.0M (Q3 2023) and $397.2M (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
$390.2M total assets against $363.3M; $358.2M total liabilities against $338.3M.
$276.7M net loans and leases against $246.3M; $356.8M total deposits against $337.1M.
$99.5M securities against $100.2M; $5.6M cash and balances due against $8.4M.
$5.5M total interest income against $5.1M; $1.6M total interest expense against $1.7M.
$3.9M net interest income against $3.4M.
$248K total noninterest income against $288K; $1.9M total noninterest expense against $1.7M.
$17K provision for credit losses against $100K.
$2.3M net income against $1.9M.
2.29% return on assets against 2.00%; 4.19% net interest margin against 3.84%.
12.39% CET1 capital ratio against 11.65%; 8.94% tier 1 leverage ratio against 8.15%.
Inside the full Bloomsdale Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBloomsdale Bank rankings
Its closest position to the top of a national ranking is 250 of 3,611, for ROA; its furthest is 1,587 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.46% (Q1 2025) to 2.35% (Q1 2026) and its net interest margin ran from 3.61% (Q1 2025) to 4.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.39% | 2.29% | 0.30% | 2.44% | 4.19% |
| Q1 2026 | 12.44% | 2.35% | 0.20% | 1.57% | 4.15% |
| Q4 2025 | 12.18% | 2.29% | 0.44% | 3.45% | 4.13% |
| Q3 2025 | 12.05% | 2.11% | 0.47% | 3.77% | 4.00% |
| Q2 2025 | 11.65% | 2.00% | 0.42% | 3.72% | 3.84% |
| Q1 2025 | 11.49% | 1.46% | 0.44% | 4.00% | 3.61% |
| Q4 2024 | 11.74% | 1.49% | 0.42% | 3.85% | 3.81% |
| Q3 2024 | 11.16% | 1.59% | 0.40% | 3.59% | 3.72% |
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 |
|---|---|---|---|
| Bloomsdale Bank (main office) | Bloomsdale , MO | 63627 | $129.8M |
| Center Drive Branch | Sainte Genevieve , MO | 63670 | $93.0M |
| Crystal City Branch | Crystal City , MO | 63019 | $74.2M |
| Bank of Bloomsdale | Herculaneum , MO | 63048 | $38.4M |
| Bloomsdale Branch - Festus Branch | Festus , MO | 63028 | $21.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 102 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 208 applications, 189 loans originated, $50.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $650K approved, $650K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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 Bloomsdale Bank
What are Bloomsdale Bank's total assets?
As of the Q2 2026 filing, Bloomsdale Bank reported total assets of $390.2 million in its FFIEC call report.
Where is Bloomsdale Bank headquartered?
It is headquartered in Bloomsdale, MO, United States.
When was Bloomsdale Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Bloomsdale Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bloomsdale Bank?
Bloomsdale Bank's primary federal regulator is the FDIC.
What is Bloomsdale Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.39% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bloomsdale Bank 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 Bloomsdale Bank's Texas Ratio?
Its Texas Ratio is 2.44% 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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