The Maries County Bank
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Data as of · sourced from FFIEC call reports. How we update
The Maries County Bank is an FDIC-insured commercial bank headquartered in Vienna, MO, established in 1900 (FDIC certificate 8576), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $600.5M, down 1.0% from Q2 2025, the 61st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.83% 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
- 8576
- Headquarters
- Vienna, MO
- Established
- 1900
- Total assets, Q2 2026
- $600.5M
- Assets vs Q2 2025
- -1.0%
- Tier 1 leverage ratio, Q2 2026
- 14.83%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 081512407
- Holding company
- MARIES COUNTY BANCORP., INC.
- Asset rank in state
- 61st of 191 in Missouri
The Maries County Bank carries far more capital than most banks of its size. Based in Vienna, Missouri, it had $600 million in assets at June 30, 2026. It funds 14.83% of its assets with Tier 1 capital, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 1.1% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 8.8% and deposits fell 1.1%. 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 0.12% of loans from 0.34%. Profitability lags: it returns 7.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, The Maries County Bank reported a return on assets of 0.96%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.56%. The figures come from its call report filed with the FFIEC.
The Maries County Bank ranks as the 61st largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $600.5M, loans rose 3.2% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 25.0% of total loans, ahead of 1-4 family residential loans at 22.1%. Its 12 offices in the FDIC Summary of Deposits are in 11 cities in MO; its Vienna 2 offices book 31% of its branch deposits. On its Q2 2026 call report, The Maries County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 205 Highway 63 N, Vienna, MO 65582
- County
- Maries
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 17, 1900
- Former names
- The Maries County Bank (2006)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 147
- Domestic deposits
- $518.5M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $282K
- Average total assets
- $614.8M
- Average total loans
- $374.7M
- Average interest-bearing deposits
- $426.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8576
- Fed RSSD
- 441359
- Parent Holding Company
- MARIES COUNTY BANCORP., INC. (RSSD 1099814)
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, The Maries County Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Maries County Bank's total assets moved between a low of $567.6M (Q3 2023) and a high of $607.1M (Q4 2025) 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
$600.5M total assets against $606.5M; $521.1M total liabilities against $534.7M.
$376.3M net loans and leases against $346.0M; $518.5M total deposits against $524.1M.
$175.4M securities against $188.9M; $11.8M cash and balances due against $31.9M.
$8.1M total interest income against $7.9M; $2.1M total interest expense against $2.4M.
$6.0M net interest income against $5.5M.
$1.1M total noninterest income against $1.0M; $4.9M total noninterest expense against $4.5M.
$397K provision for credit losses against $62K.
$1.5M net income against $1.6M.
0.96% return on assets against 1.02%; 4.21% net interest margin against 3.88%.
14.83% tier 1 leverage ratio against 14.29%.
Inside the full The Maries County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Maries County Bank rankings
Its closest position to the top of a national ranking is 1,544 of 4,196, for total assets; its furthest is 2,921 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 1.22% (Q3 2025) and its net interest margin ran from 3.29% (Q3 2024) to 4.21% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 0.96% | 0.12% | 0.56% | 4.21% |
| Q1 2026 | 14.85% | 1.10% | 0.16% | 0.74% | 4.05% |
| Q4 2025 | 14.55% | 1.11% | 0.25% | 1.14% | 3.97% |
| Q3 2025 | 14.70% | 1.22% | 0.30% | 1.40% | 3.97% |
| Q2 2025 | 14.29% | 1.02% | 0.34% | 2.68% | 3.88% |
| Q1 2025 | 14.02% | 0.79% | 0.17% | 1.91% | 3.49% |
| Q4 2024 | 13.93% | 0.56% | 0.11% | 1.91% | 3.53% |
| Q3 2024 | 13.98% | 0.48% | 0.17% | 2.09% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 Maries County Bank | Vienna , MO | 65582 | $159.3M |
| First State Bank of St. Robert Branch | Saint Robert , MO | 65584 | $71.5M |
| Dixon Branch | Dixon , MO | 65459 | $65.3M |
| Richland Branch | Richland , MO | 65556 | $57.3M |
| Belle State Bank Branch | Belle , MO | 65013 | $47.1M |
| Owensville Branch | Owensville , MO | 65066 | $38.7M |
| Saint James Branch | Saint James , MO | 65559 | $27.7M |
| Argyle Branch | Argyle , MO | 65001 | $25.1M |
| Iberia Branch | Iberia , MO | 65486 | $18.0M |
| The Maries County Bank - Cuba Branch | Cuba , MO | 65453 | $5.8M |
| Vichy Facility | Vichy , MO | 65580 | $2.7M |
| Fourth Street Branch | Vienna , MO | 65582 | $0 |
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 |
|---|---|---|---|
| April 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2015 | Structure Change | Acquired First State Bank of St. Robert Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2003 | Structure Change | Acquired Belle State Bank 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 78 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 268 applications, 204 loans originated, $28.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $303K approved, $152K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 The Maries County Bank
What are The Maries County Bank's total assets?
As of the Q2 2026 filing, The Maries County Bank reported total assets of $600.5 million in its FFIEC call report.
Where is The Maries County Bank headquartered?
It is headquartered in Vienna, MO, United States.
When was The Maries County Bank founded?
It was established in 1900, per the FDIC institution directory.
Is The Maries County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Maries County Bank?
The Maries County Bank's primary federal regulator is the FDIC.
How many branches does The Maries County Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Maries County Bank's Texas Ratio?
Its Texas Ratio is 0.56% 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 Maries County Bank previously called?
The charter now named The Maries County Bank has also operated as The Maries County Bank (2006), per FDIC structure-change records.
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