Goppert Financial Bank
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Data as of · sourced from FFIEC call reports. How we update
Goppert Financial Bank is an FDIC-insured commercial bank headquartered in Lathrop, MO, established in 1879 (FDIC certificate 8569), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $312.0M, up 10.8% from Q2 2025, the 97th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.07% 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
- 8569
- Headquarters
- Lathrop, MO
- Established
- 1879
- Total assets, Q2 2026
- $312.0M
- Assets vs Q2 2025
- +10.8%
- Tier 1 leverage ratio, Q2 2026
- 10.07%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101204954
- Latest call report
- Q2 2026, FFIEC 051 · Goppert Financial Bank call report
- Holding company
- GOPPERT FINANCIAL CORP.
- Asset rank in state
- 97th of 191 in Missouri
Goppert Financial Bank, based in Lathrop, Missouri, reported $312 million in assets at June 30, 2026, up 10.8% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 17.4% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 17.4% and deposits rose 11.7%.
As of June 30, 2026, Goppert Financial Bank reported a return on assets of 1.28%, 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.
By total assets at Q2 2026, Goppert Financial Bank is the 97th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $312.0M, loans rose 3.4% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 45.0% of total loans, followed by commercial and industrial loans at 17.4%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Pleasant Hill office books 36% of its branch deposits. Judged on its Q2 2026 call report, Goppert Financial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 710 Oak St, Lathrop, MO 64465
- County
- Clinton
- 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
- September 28, 1879
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $269.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $312.3M
- Average total loans
- $200.8M
- Average interest-bearing deposits
- $209.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8569
- Fed RSSD
- 815053
- Website
- www.goppertfb.com →
- Parent Holding Company
- GOPPERT FINANCIAL CORP. (RSSD 1051380)
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, Goppert Financial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Goppert Financial Bank's total assets moved between a low of $249.4M (Q3 2023) and a high of $312.0M (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
$312.0M total assets against $281.6M; $280.7M total liabilities against $252.7M.
$200.7M net loans and leases against $171.0M; $269.3M total deposits against $241.1M.
$70.7M securities against $65.7M; $24.2M cash and balances due against $28.8M.
$4.4M total interest income against $4.0M; $1.3M total interest expense against $1.2M.
$3.1M net interest income against $2.8M.
$173K total noninterest income against $164K; $1.9M total noninterest expense against $1.5M.
$110K provision for credit losses against $60K.
$999K net income against $1.1M.
1.28% return on assets against 1.53%; 4.06% net interest margin against 4.08%.
10.07% tier 1 leverage ratio against 10.24%.
Inside the full Goppert Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGoppert Financial Bank rankings
Its closest position to the top of a national ranking is 1,587 of 3,606, for efficiency ratio; its furthest is 3,464 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q2 2026) to 1.71% (Q4 2024) and its net interest margin ran from 3.91% (Q1 2025) to 4.37% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.07% | 1.28% | 0.00% | 0.00% | 4.06% |
| Q1 2026 | 10.09% | 1.31% | 0.00% | 0.00% | 4.04% |
| Q4 2025 | 10.49% | 1.30% | 0.00% | 0.00% | 4.23% |
| Q3 2025 | 10.46% | 1.43% | 0.00% | 0.00% | 4.19% |
| Q2 2025 | 10.24% | 1.53% | 0.00% | 0.00% | 4.08% |
| Q1 2025 | 9.92% | 1.47% | 0.00% | 0.00% | 3.91% |
| Q4 2024 | 10.37% | 1.71% | 0.00% | 0.00% | 4.37% |
| Q3 2024 | 10.20% | 1.49% | 0.00% | 0.00% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Pleasant Hill North Branch | Pleasant Hill , MO | 64080 | $96.0M |
| Norborne Branch | Norborne , MO | 64668 | $82.4M |
| Goppert Financial Bank (main office) | Lathrop , MO | 64465 | $54.9M |
| Lawson Branch | Lawson , MO | 64062 | $24.3M |
| Richmond Branch | Richmond , MO | 64085 | $11.7M |
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 |
|---|---|---|---|
| March 25, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2017 | Structure Change | Acquired The Pleasant Hill Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2008 | Structure Change | Acquired Citizens Bank of Norborne 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
- <0.1% of deposits in MO, rank 119 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $435K approved, $218K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Goppert Financial Bank
What are Goppert Financial Bank's total assets?
As of the Q2 2026 filing, Goppert Financial Bank reported total assets of $312.0 million in its FFIEC call report.
Where is Goppert Financial Bank headquartered?
It is headquartered in Lathrop, MO, United States.
When was Goppert Financial Bank founded?
It was established in 1879, per the FDIC institution directory.
Is Goppert Financial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Goppert Financial Bank?
Goppert Financial Bank's primary federal regulator is the FDIC.
How many branches does Goppert Financial Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Goppert Financial 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.
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