The Callaway Bank
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Data as of · sourced from FFIEC call reports. How we update
The Callaway Bank is an FDIC-insured commercial bank headquartered in Fulton, MO, established in 1857 (FDIC certificate 12223), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $511.5M, up 2.6% from Q2 2025, the 69th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.12% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12223
- Headquarters
- Fulton, MO
- Established
- 1857
- Total assets, Q2 2026
- $511.5M
- Assets vs Q2 2025
- +2.6%
- Tier 1 leverage ratio, Q2 2026
- 10.12%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081501696
- Latest call report
- Q2 2026, FFIEC 051 · The Callaway Bank call report
- Holding company
- CALLAWAY SECURITY BANKS, INC.
- Asset rank in state
- 69th of 191 in Missouri
Little in The Callaway Bank's latest call report stands out. It reported $512 million in assets at June 30, 2026, up 2.6% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 23% from a year earlier, to $1.9 million. Over the same year, loans grew 1.8% and deposits grew 6.5%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.78% of loans from 0.51% a year earlier.
As of June 30, 2026, The Callaway Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 5.43%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, The Callaway Bank is the 69th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.2% to $511.5M, loans rose 0.6% and deposits fell 5.9%. 1-4 family residential loans made up 31.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in MO; its Fulton 2 offices book 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Callaway Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5 E 5th St, Fulton, MO 65251
- County
- Callaway
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1857
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $429.6M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- -$124K
- Average total assets
- $516.2M
- Average total loans
- $375.1M
- Average interest-bearing deposits
- $311.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12223
- Fed RSSD
- 719656
- Website
- www.callawaybank.com →
- Parent Holding Company
- CALLAWAY SECURITY BANKS, INC. (RSSD 1097098)
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 Callaway Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Callaway Bank's total assets moved between a low of $475.2M (Q4 2023) and a high of $539.8M (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
$511.5M total assets against $498.8M; $461.5M total liabilities against $453.9M.
$377.4M net loans and leases against $370.6M; $429.6M total deposits against $403.4M.
$76.0M securities against $71.9M; $33.7M cash and balances due against $30.3M.
$7.1M total interest income against $6.7M; $1.6M total interest expense against $1.9M.
$5.5M net interest income against $4.8M.
$878K total noninterest income against $783K; $3.8M total noninterest expense against $3.5M.
$100K provision for credit losses against $120K.
$1.9M net income against $1.6M.
1.49% return on assets against 1.26%; 4.52% net interest margin against 4.14%.
10.12% tier 1 leverage ratio against 9.65%.
Inside the full The Callaway Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Callaway Bank rankings
Its closest position to the top of a national ranking is 1,233 of 3,640, for Texas Ratio; its furthest is 1,763 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.49% (Q2 2026) and its net interest margin ran from 3.66% (Q3 2024) to 4.52% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.12% | 1.49% | 0.78% | 5.43% | 4.52% |
| Q1 2026 | 9.81% | 1.26% | 0.84% | 6.06% | 4.31% |
| Q4 2025 | 9.79% | 0.80% | 0.76% | 5.63% | 4.38% |
| Q3 2025 | 9.69% | 1.02% | 0.94% | 7.01% | 4.21% |
| Q2 2025 | 9.65% | 1.26% | 0.51% | 3.90% | 4.14% |
| Q1 2025 | 9.34% | 0.97% | 0.65% | 5.21% | 3.81% |
| Q4 2024 | 9.07% | 0.87% | 0.78% | 6.34% | 3.78% |
| Q3 2024 | 9.48% | 0.65% | 0.32% | 2.59% | 3.66% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Callaway Bank | Fulton , MO | 65251 | $204.0M |
| Chapel Hill Road Branch | Columbia , MO | 65203 | $85.0M |
| Broadway Branch | Columbia , MO | 65203 | $55.1M |
| South Facility | Fulton , MO | 65251 | $47.6M |
| Steedman-Mokane Branch | Mokane , MO | 65059 | $26.7M |
| Ashland Branch | Ashland , MO | 65010 | $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 |
|---|---|---|---|
| April 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1995 | Structure Change | Acquired Steedman 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
- 0.2% of deposits in MO, rank 87 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 165 applications, 138 loans originated, $33.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 7 loans, $1.5M approved, $213K 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 Callaway Bank
What are The Callaway Bank's total assets?
As of the Q2 2026 filing, The Callaway Bank reported total assets of $511.5 million in its FFIEC call report.
Where is The Callaway Bank headquartered?
It is headquartered in Fulton, MO, United States.
When was The Callaway Bank founded?
It was established in 1857, per the FDIC institution directory.
Is The Callaway Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Callaway Bank?
The Callaway Bank's primary federal regulator is the Federal Reserve.
How many branches does The Callaway Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Callaway Bank's Texas Ratio?
Its Texas Ratio is 5.43% 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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