County Bank (Brunswick, MO)
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Data as of · sourced from FFIEC call reports. How we update
County Bank is an FDIC-insured commercial bank headquartered in Brunswick, MO, established in 1877 (FDIC certificate 12220), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $133.7M, up 8.0% from Q2 2025, the 155th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.49% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12220
- Headquarters
- Brunswick, MO
- Established
- 1877
- Total assets, Q2 2026
- $133.7M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 12.49%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101903938
- Holding company
- CHARITON COUNTY BANCSHARES, INC.
- Asset rank in state
- 155th of 191 in Missouri
County Bank is one of the more profitable banks of its size. Based in Brunswick, Missouri, it had $134 million in assets at June 30, 2026, up 8.0% from a year earlier. It returns 25.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.91% on its deposits and borrowings, about half the median of 1.80% for banks its size. A wide margin does most of the work: it keeps 4.77 cents of net interest income on every dollar of earning assets.
Earnings jumped: net income for the quarter was $711,000, 40% above the same quarter a year earlier. Over the same year, loans grew 24.6% and deposits grew 6.0%. Where it has less room is capital: it funds 8.29% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, County Bank reported a CET1 capital ratio of 12.49%, a return on assets of 2.12%, 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.
County Bank ranks as the 155th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $133.7M, loans rose 5.9% and deposits fell 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.3% of total loans, followed by farmland and other real estate loans at 22.2%. The FDIC Summary of Deposits lists 2 offices for it, in Brunswick, MO and Moberly, MO; its Brunswick office books 54% of its branch deposits. On its Q2 2026 call report, County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 116 W Broadway St, Brunswick, MO 65236
- County
- Chariton
- 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 041
- Established
- April 2, 1877
- Former names
- Chariton County Bank (1984-2004)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $120.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $134.3M
- Average total loans
- $102.2M
- Average interest-bearing deposits
- $123.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12220
- Fed RSSD
- 1016848
- Website
- countybankonline.com →
- Parent Holding Company
- CHARITON COUNTY BANCSHARES, INC. (RSSD 1067877)
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, County Bank's total assets ran between $118.2M (Q4 2023) and $134.7M (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
$133.7M total assets against $123.8M; $122.4M total liabilities against $114.0M.
$104.6M net loans and leases against $83.8M; $120.6M total deposits against $113.8M.
$21.0M securities against $27.3M; $3.6M cash and balances due against $8.3M.
$1.9M total interest income against $1.7M; $376K total interest expense against $366K.
$1.5M net interest income against $1.4M.
$226K total noninterest income against $192K; $1.0M total noninterest expense against $1.0M.
$30K provision for credit losses against $9K.
$711K net income against $509K.
2.12% return on assets against 1.65%; 4.77% net interest margin against 4.65%.
12.49% CET1 capital ratio against 13.94%; 8.29% tier 1 leverage ratio against 8.24%.
Inside the full County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCounty Bank rankings
Its closest position to the top of a national ranking is 383 of 3,611, for ROA; its furthest is 3,597 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.62% (Q1 2025) to 2.22% (Q3 2025) and its net interest margin ran from 4.50% (Q3 2024) to 4.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.49% | 2.12% | 0.00% | 0.00% | 4.77% |
| Q1 2026 | 12.77% | 1.98% | 0.00% | 0.00% | 4.68% |
| Q4 2025 | 12.95% | 2.02% | 0.00% | 0.00% | 4.75% |
| Q3 2025 | 14.16% | 2.22% | 0.00% | 0.00% | 4.72% |
| Q2 2025 | 13.94% | 1.65% | 0.00% | 0.00% | 4.65% |
| Q1 2025 | 13.87% | 1.62% | 0.00% | 0.00% | 4.50% |
| Q4 2024 | 13.77% | 1.72% | 0.00% | 0.00% | 4.68% |
| Q3 2024 | 14.40% | 1.67% | 0.00% | 0.00% | 4.50% |
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 |
|---|---|---|---|
| County Bank (main office) | Brunswick , MO | 65236 | $65.0M |
| Moberly Branch | Moberly , MO | 65270 | $55.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 185 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $261K approved, $131K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 County Bank
What are County Bank's total assets?
As of the Q2 2026 filing, County Bank reported total assets of $133.7 million in its FFIEC call report.
Where is County Bank headquartered?
It is headquartered in Brunswick, MO, United States.
When was County Bank founded?
It was established in 1877, per the FDIC institution directory.
Is County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates County Bank?
County Bank's primary federal regulator is the FDIC.
What is County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.49% in its Q2 2026 call report, above regulatory requirements.
How many branches does County Bank 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 County 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 County Bank previously called?
The charter now named County Bank has also operated as Chariton County Bank (1984-2004), per FDIC structure-change records.
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