Commercial Trust Company of Fayette
Commercial Trust Company of Fayette is an FDIC-insured commercial bank headquartered in Fayette, MO, supervised by the FDIC, with $163.8M in total assets at Q2 2026, up 5.3% from Q2 2025, the 134th largest of 191 banks headquartered in Missouri. It was established in 1903 and holds FDIC certificate 9791. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.41% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9791
- Headquarters
- Fayette, MO
- Established
- 1903
- Total assets, Q2 2026
- $163.8M
- Assets vs Q2 2025
- +5.3%
- Tier 1 leverage ratio, Q2 2026
- 10.41%
- Domestic offices
- 2 · Commercial Trust Company of Fayette branches FDIC institution directory, current count
- Routing number
- 101902735
- Safety and soundness
- Is Commercial Trust Company of Fayette safe?
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Trust Company of Fayette Q3 2026 call report, filed October 10, 2026 (preliminary)
- Holding company
- HARRIS TAUBMAN FINANCIAL CORPORATION
- Asset rank in state
- 134th of 191 in Missouri
Little in Commercial Trust Company of Fayette's latest call report stands out. Based in Fayette, Missouri, it had $164 million in assets at June 30, 2026, up 5.3% from a year earlier. On most measures it sits near the middle of the 2,627 banks with $100 million to $1 billion in assets.
Deposits are coming in faster than loans: over the year loans rose 2.6% and deposits rose 5.7%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.36% of loans, down from 0.47% a year earlier.
As of June 30, 2026, Commercial Trust Company of Fayette reported a return on assets of 1.27%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.29%. The figures come from its call report filed with the FFIEC.
Commercial Trust Company of Fayette ranks as the 134th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $163.8M, loans rose 2.7% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 62.8% of total loans, followed by farmland and other real estate loans at 8.4%. Its 2 offices in the FDIC Summary of Deposits are in Fayette, MO and Harrisburg, MO; its Fayette office books 88% of its branch deposits. By the capital ratios in its Q2 2026 call report, Commercial Trust Company of Fayette meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 119 N Main St, Fayette, MO 65248
- County
- Howard
- Metro Area
- Columbia, MO
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $145.2M
- Allowance for credit losses
- $999K
- Net charge-offs (YTD)
- $14K
- Average total assets
- $161.5M
- Average total loans
- $110.2M
- Average interest-bearing deposits
- $117.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9791
- Fed RSSD
- 709451
- Website
- www.commercialtrust.bank →
- Parent Holding Company
- HARRIS TAUBMAN FINANCIAL CORPORATION (RSSD 2313049)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, Commercial Trust Company of Fayette reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Commercial Trust Company of Fayette's total assets moved between a low of $148.7M (Q4 2024) and a high of $163.8M (Q2 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
$163.8M total assets against $155.6M; $147.3M total liabilities against $139.5M.
$109.4M net loans and leases against $106.5M; $145.2M total deposits against $137.4M.
$14.9M securities against $16.6M; $35.5M cash and balances due against $29.2M.
$2.2M total interest income against $2.1M; $702K total interest expense against $725K.
$1.5M net interest income against $1.4M.
$430K total noninterest income against $378K; $1.3M total noninterest expense against $1.2M.
$47K provision for credit losses against -$24K.
$512K net income against $557K.
1.27% return on assets against 1.43%; 3.74% net interest margin against 3.68%.
10.41% tier 1 leverage ratio against 10.69%.
Inside the full Commercial Trust Company of Fayette terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Trust Company of Fayette rankings
Its closest position to the top of a national ranking is 1,838 of 3,611, for ROA; its furthest is 2,766 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.77% (Q3 2024) and its net interest margin ran from 3.44% (Q3 2024) to 3.82% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.41% | 1.27% | 0.36% | 2.29% | 3.74% |
| Q1 2026 | 10.31% | 1.64% | 0.45% | 2.81% | 3.65% |
| Q4 2025 | 10.67% | 1.39% | 0.45% | 2.84% | 3.82% |
| Q3 2025 | 10.90% | 1.64% | 0.46% | 2.83% | 3.66% |
| Q2 2025 | 10.69% | 1.43% | 0.47% | 2.95% | 3.68% |
| Q1 2025 | 10.49% | 0.96% | 0.47% | 2.93% | 3.46% |
| Q4 2024 | 10.56% | 1.43% | 0.47% | 2.99% | 3.62% |
| Q3 2024 | 11.10% | 1.77% | 0.53% | 3.16% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Commercial Trust Company of Fayette (main office) | Fayette , MO | 65248 | $127.4M |
| Commercial Trust Company - Harrisburg Branch | Harrisburg , MO | 65256 | $17.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 167 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 97 loans originated, $18.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 Commercial Trust Company of Fayette
What are Commercial Trust Company of Fayette's total assets?
As of the Q2 2026 filing, Commercial Trust Company of Fayette reported total assets of $163.8 million in its FFIEC call report.
Where is Commercial Trust Company of Fayette headquartered?
It is headquartered in Fayette, MO, United States.
When was Commercial Trust Company of Fayette founded?
It was established in 1903, per the FDIC institution directory.
Is Commercial Trust Company of Fayette FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9791). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Trust Company of Fayette?
Commercial Trust Company of Fayette's primary federal regulator is the FDIC.
How many branches does Commercial Trust Company of Fayette operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Trust Company of Fayette's Texas Ratio?
Its Texas Ratio is 2.29% 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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