The Hamilton Bank
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Data as of · sourced from FFIEC call reports. How we update
The Hamilton Bank is an FDIC-insured commercial bank headquartered in Hamilton, MO, established in 1938 (FDIC certificate 15606), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $119.8M, up 8.0% from Q2 2025, the 164th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 17.21% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15606
- Headquarters
- Hamilton, MO
- Established
- 1938
- Total assets, Q2 2026
- $119.8M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 17.21%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101918075
- Latest call report
- Q2 2026, FFIEC 051 · The Hamilton Bank call report
- Holding company
- PRISM GROUP, INC.
- Asset rank in state
- 164th of 191 in Missouri
The Hamilton Bank is one of the more profitable banks of its size. Based in Hamilton, Missouri, it had $120 million in assets at June 30, 2026, up 8.0% from a year earlier. It returns 31.9% a year on shareholders' equity, 2.5 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.2% over the year, lower than about 9 in 10 banks its size (median 5.5%). Much of that comes from cost control: it spends about 52 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.47% of loans from 1.28%. Its $5.7 million commercial and industrial book is now fully current, after 8.38% of it was past due or on nonaccrual a year earlier. Where it has less room is capital: it funds 9.29% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Hamilton Bank reported a CET1 capital ratio of 17.21%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.55%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, The Hamilton Bank is the 164th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $119.8M, loans fell 0.2% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.0% of total loans, ahead of farmland and other real estate loans at 26.0%. The FDIC Summary of Deposits lists 3 offices for it, in Hamilton, MO, Lathrop, MO and Breckenridge, MO; its Hamilton office books 70% of its branch deposits. Judged on its Q2 2026 call report, The Hamilton Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 N Davis St, Hamilton, MO 64644
- County
- Caldwell
- 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
- June 11, 1938
- Former names
- The Hamilton Bank (1975)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $112.9M
- Allowance for credit losses
- $286K
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $125.2M
- Average total loans
- $51.5M
- Average interest-bearing deposits
- $82.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 11, 1938
- FDIC Cert
- 15606
- Fed RSSD
- 723550
- SEC CIK
- 856981 → filed by PRISM GROUP, INC.
- Website
- WWW.THEHAMILTONBANK.BANK →
- Parent Holding Company
- PRISM GROUP, INC. (RSSD 1854303)
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
The Hamilton Bank's total assets moved between a low of $101.0M (Q3 2024) and a high of $120.1M (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
$119.8M total assets against $110.9M; $113.2M total liabilities against $106.3M.
$51.3M net loans and leases against $53.6M; $112.9M total deposits against $106.0M.
$58.8M securities against $47.6M; $8.0M cash and balances due against $8.0M.
$1.5M total interest income against $1.5M; $452K total interest expense against $423K.
$1.0M net interest income against $1.0M.
$75K total noninterest income against $101K; $618K total noninterest expense against $657K.
$0 provision for credit losses against $0.
$504K net income against $472K.
1.61% return on assets against 1.69%; 3.61% net interest margin against 3.66%.
17.21% CET1 capital ratio against 16.04%; 9.29% tier 1 leverage ratio against 9.81%.
Inside the full The Hamilton Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Hamilton Bank rankings
Its closest position to the top of a national ranking is 566 of 2,134, for CET1 ratio; its furthest is 3,518 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q3 2024) to 1.74% (Q4 2024) and its net interest margin ran from 3.41% (Q3 2024) to 3.76% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.21% | 1.61% | 0.47% | 3.55% | 3.61% |
| Q1 2026 | 17.19% | 1.38% | 0.51% | 4.19% | 3.65% |
| Q4 2025 | 16.71% | 1.30% | 1.88% | 14.74% | 3.76% |
| Q3 2025 | 16.86% | 1.41% | 1.74% | 15.45% | 3.73% |
| Q2 2025 | 16.04% | 1.69% | 1.28% | 14.15% | 3.66% |
| Q1 2025 | 16.75% | 1.59% | 0.37% | 4.51% | 3.63% |
| Q4 2024 | 15.10% | 1.74% | 0.62% | 9.01% | 3.67% |
| Q3 2024 | 16.98% | 1.04% | 1.05% | 10.14% | 3.41% |
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 |
|---|---|---|---|
| The Hamilton Bank | Hamilton , MO | 64644 | $79.0M |
| Lathroup Facility Branch | Lathrop , MO | 64465 | $24.8M |
| Breckenridge Facility | Breckenridge , MO | 64625 | $9.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 189 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 24 loans originated, $3.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 The Hamilton Bank
What are The Hamilton Bank's total assets?
As of the Q2 2026 filing, The Hamilton Bank reported total assets of $119.8 million in its FFIEC call report.
Where is The Hamilton Bank headquartered?
It is headquartered in Hamilton, MO, United States.
When was The Hamilton Bank founded?
It was established in 1938, per the FDIC institution directory.
Is The Hamilton Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15606). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Hamilton Bank?
The Hamilton Bank's primary federal regulator is the FDIC.
What is The Hamilton Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.21% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Hamilton 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 The Hamilton Bank's Texas Ratio?
Its Texas Ratio is 3.55% 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 The Hamilton Bank previously called?
The charter now named The Hamilton Bank has also operated as The Hamilton Bank (1975), per FDIC structure-change records.
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