Cass Commercial Bank
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Data as of · sourced from FFIEC call reports. How we update
Cass Commercial Bank is an FDIC-insured commercial bank headquartered in Des Peres, MO, established in 1906 (FDIC certificate 1068), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.33B, up 1.4% from Q2 2025, the 26th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 17.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1068
- Headquarters
- Des Peres, MO
- Established
- 1906
- Total assets, Q2 2026
- $1.33B
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 17.16%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081000605
- Latest call report
- Q2 2026, FFIEC 051 · Cass Commercial Bank call report
- Holding company
- CASS INFORMATION SYSTEMS, INC.
- Asset rank in state
- 26th of 191 in Missouri
Cass Commercial Bank is one of the more profitable banks of its size. It reported $1.3 billion in assets at June 30, 2026, up 1.4% from a year earlier. It earns about $2.18 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.16% of loans from 0.32%. Funding is the softer spot: it holds about two-thirds of its deposits (65%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
As of June 30, 2026, Cass Commercial Bank reported a CET1 capital ratio of 17.16%, a return on assets of 2.18%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.79%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Cass Commercial Bank is the 26th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $1.33B, loans rose 1.3% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 42.1% of total loans, followed by commercial and industrial loans at 41.7%. Its 3 offices in the FDIC Summary of Deposits are in Des Peres, MO, Bridgeton, MO and Saint Louis, MO; its Des Peres office books 80% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cass Commercial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12412 Powerscourt Dr, Des Peres, MO 63131
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- 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, 1906
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $13.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.39B
- Average total loans
- $939.4M
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1068
- Fed RSSD
- 177751
- SEC CIK
- 708781 → filed by CASS INFORMATION SYSTEMS, INC.
- Website
- www.cassbank.com →
- Parent Holding Company
- CASS INFORMATION SYSTEMS, INC. (RSSD 1098648) · CASS
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
From Q3 2023 to Q2 2026, Cass Commercial Bank's total assets ranged from $1.30B (Q2 2024) to $1.58B (Q3 2023), 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
$1.33B total assets against $1.31B; $1.13B total liabilities against $1.11B.
$1.04B net loans and leases against $1.03B; $1.12B total deposits against $1.10B.
$56.3M securities against $67.0M; $212.9M cash and balances due against $189.7M.
$18.1M total interest income against $18.2M; $4.4M total interest expense against $5.2M.
$13.7M net interest income against $13.0M.
$2.3M total noninterest income against $2.2M; $5.7M total noninterest expense against $5.1M.
$557K provision for credit losses against -$5K.
$7.6M net income against $7.7M.
2.18% return on assets against 2.18%; 3.97% net interest margin against 3.71%.
17.16% CET1 capital ratio against 17.84%; 14.10% tier 1 leverage ratio against 14.45%.
Inside the full Cass Commercial Bank 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Cass Commercial Bank rankings
Its closest position to the top of a national ranking is 25 of 980, for uninsured deposits; its furthest is 2,810 of 3,640, for Texas Ratio.
Metric pages for Cass Commercial Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q4 2024) to 2.18% (Q2 2026) and its net interest margin ran from 3.44% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.16% | 2.18% | 0.16% | 0.79% | 3.97% |
| Q1 2026 | 18.11% | 2.17% | 0.30% | 1.46% | 3.87% |
| Q4 2025 | 18.40% | 2.09% | 0.69% | 3.26% | 3.87% |
| Q3 2025 | 18.41% | 2.05% | 0.69% | 3.26% | 3.75% |
| Q2 2025 | 17.84% | 2.18% | 0.32% | 1.58% | 3.71% |
| Q1 2025 | 16.71% | 1.85% | 0.00% | 0.00% | 3.62% |
| Q4 2024 | 16.56% | 0.98% | 0.00% | 0.00% | 3.52% |
| Q3 2024 | 16.94% | 1.90% | 0.00% | 0.00% | 3.44% |
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 |
|---|---|---|---|
| Cass Commercial Bank (main office) | Des Peres , MO | 63131 | $892.8M |
| Bridgeton Branch | Bridgeton , MO | 63044 | $167.4M |
| Drive-In Facility Branch | Saint Louis , MO | 63106 | $55.8M |
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 |
|---|---|---|---|
| November 24, 2004 | Structure Change | Acquired Franklin Bank of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 23, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 0.4% of deposits in MO, rank 37 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M 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, 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 Cass Commercial Bank
What are Cass Commercial Bank's total assets?
As of the Q2 2026 filing, Cass Commercial Bank reported total assets of $1.33 billion in its FFIEC call report.
Where is Cass Commercial Bank headquartered?
It is headquartered in Des Peres, MO, United States.
When was Cass Commercial Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Cass Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1068). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cass Commercial Bank?
Cass Commercial Bank's primary federal regulator is the Federal Reserve.
What is Cass Commercial Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cass Commercial Bank 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 Cass Commercial Bank's Texas Ratio?
Its Texas Ratio is 0.79% 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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