Connections Bank
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Data as of · sourced from FFIEC call reports. How we update
Connections Bank is an FDIC-insured commercial bank headquartered in Platte City, MO, established in 1934 (FDIC certificate 14025), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $516.6M, up 3.2% from Q2 2025, the 68th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.80% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14025
- Headquarters
- Platte City, MO
- Established
- 1934
- Total assets, Q2 2026
- $516.6M
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 9.80%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 101205940
- Latest call report
- Q2 2026, FFIEC 051 · Connections Bank call report
- Holding company
- WELLS BANCSHARES, INC.
- Asset rank in state
- 68th of 191 in Missouri
Connections Bank runs leaner than most banks of its size. It reported $517 million in assets at June 30, 2026, up 3.2% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Net income for the quarter rose 17% from a year earlier, to $2.6 million. Over the same year, loans grew 8.6% and deposits grew 3.8%.
As of June 30, 2026, Connections Bank reported a return on assets of 1.97%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Connections Bank is the 68th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $516.6M, loans rose 0.3% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.0% of total loans, ahead of construction and land development loans at 13.8%. The FDIC Summary of Deposits lists 10 offices for it, in 9 cities in MO; its Platte City office books 44% of its branch deposits. Judged on its Q2 2026 call report, Connections Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 Branch St, Platte City, MO 64079
- 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
- —
- Call Report form
- FFIEC 051
- Established
- March 7, 1934
- Former names
- Connections Bank Midwest (2023); Wells Bank (2018-2023); Wells Bank of Platte City (2006-2016)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $456.3M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $519.1M
- Average total loans
- $433.5M
- Average interest-bearing deposits
- $362.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 9, 1934
- FDIC Cert
- 14025
- Fed RSSD
- 646556
- Website
- www.connections.bank →
- Parent Holding Company
- WELLS BANCSHARES, INC. (RSSD 1248779)
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, Connections Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Connections Bank's total assets moved between a low of $351.7M (Q3 2023) and a high of $520.1M (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
$516.6M total assets against $500.7M; $462.3M total liabilities against $449.0M.
$429.2M net loans and leases against $395.4M; $456.3M total deposits against $439.8M.
$5.9M securities against $6.3M; $40.0M cash and balances due against $54.3M.
$8.1M total interest income against $7.8M; $2.2M total interest expense against $2.4M.
$5.9M net interest income against $5.5M.
$341K total noninterest income against $284K; $2.7M total noninterest expense against $2.6M.
$150K provision for credit losses against $155K.
$2.6M net income against $2.2M.
1.97% return on assets against 1.74%; 4.80% net interest margin against 4.61%.
9.80% tier 1 leverage ratio against 9.67%.
Inside the full Connections 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.
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.
Connections Bank rankings
Its closest position to the top of a national ranking is 314 of 3,606, for efficiency ratio; its furthest is 3,408 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.59% (Q1 2025) to 1.97% (Q2 2026) and its net interest margin ran from 4.34% (Q4 2024) to 4.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.80% | 1.97% | 0.00% | 0.00% | 4.80% |
| Q1 2026 | 9.58% | 1.87% | 0.00% | 0.00% | 4.76% |
| Q4 2025 | 9.75% | 1.88% | 0.00% | 0.00% | 4.89% |
| Q3 2025 | 9.66% | 1.74% | 0.00% | 0.00% | 4.48% |
| Q2 2025 | 9.67% | 1.74% | 0.00% | 0.00% | 4.61% |
| Q1 2025 | 9.84% | 1.59% | 0.00% | 0.02% | 4.38% |
| Q4 2024 | 9.79% | 1.63% | 0.00% | 0.02% | 4.34% |
| Q3 2024 | 9.85% | 1.74% | 0.00% | 0.00% | 4.52% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Connections Bank (main office) | Platte City , MO | 64079 | $202.3M |
| Maryville Branch | Maryville , MO | 64468 | $72.9M |
| Kirksville Branch | Kirksville , MO | 63501 | $43.7M |
| Oregon Branch | Oregon , MO | 64473 | $30.7M |
| Kansas City Branch | Kansas City , MO | 64154 | $26.5M |
| Savannah Branch | Savannah , MO | 64485 | $23.2M |
| Ashland Branch | Ashland , MO | 65010 | $18.7M |
| Columbia Branch | Columbia , MO | 65201 | $18.4M |
| Parkville Branch | Parkville , MO | 64152 | $10.8M |
| Columbia Branch | Columbia , MO | 65201 | $9.1M |
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 |
|---|---|---|---|
| December 1, 2023 | Structure Change | Acquired Connections Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Bank CBO 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 84 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 124 applications, 108 loans originated, $35.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $5.2M approved, $2.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Connections Bank
What are Connections Bank's total assets?
As of the Q2 2026 filing, Connections Bank reported total assets of $516.6 million in its FFIEC call report.
Where is Connections Bank headquartered?
It is headquartered in Platte City, MO, United States.
When was Connections Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Connections Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Connections Bank?
Connections Bank's primary federal regulator is the FDIC.
How many branches does Connections Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Connections Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Connections Bank previously called?
The charter now named Connections Bank has also operated as Connections Bank Midwest (2023), Wells Bank (2018-2023), Wells Bank of Platte City (2006-2016), per FDIC structure-change records.
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