The Missouri Bank
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Data as of · sourced from FFIEC call reports. How we update
The Missouri Bank is an FDIC-insured commercial bank headquartered in Warrenton, MO, established in 1934 (FDIC certificate 14036), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $461.5M, down 1.8% from Q2 2025, the 74th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14036
- Headquarters
- Warrenton, MO
- Established
- 1934
- Total assets, Q2 2026
- $461.5M
- Assets vs Q2 2025
- -1.8%
- Tier 1 leverage ratio, Q2 2026
- 12.57%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 081905768
- Latest call report
- Q2 2026, FFIEC 051 · The Missouri Bank call report
- Holding company
- WARREN COUNTY BANCSHARES, INC.
- Asset rank in state
- 74th of 191 in Missouri
The Missouri Bank, based in Warrenton, Missouri, reported $461 million in assets at June 30, 2026, down 1.8% from a year earlier. It lost 3.6% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also spends about 46 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 23% from a year earlier, to $2.6 million. Over the same year, loans grew 5.0% and deposits shrank 3.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Missouri Bank reported a return on assets of 2.12%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Missouri Bank is the 74th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 2.7% to $461.5M, loans fell 0.1% and deposits fell 3.6%. 1-4 family residential loans made up 34.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in MO; its Warrenton office books 49% of its branch deposits. Judged on its Q2 2026 call report, The Missouri Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 North Highway 47, Warrenton, MO 63383
- County
- Warren
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- The Missouri Bank (1998); Commerce - Warren County Bank (1939-1998)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $403.2M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $485.1M
- Average total loans
- $316.6M
- Average interest-bearing deposits
- $308.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 10, 1934
- FDIC Cert
- 14036
- Fed RSSD
- 309150
- Website
- http://www.themissouribank.com →
- Parent Holding Company
- WARREN COUNTY BANCSHARES, INC. (RSSD 1138393)
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 Missouri Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Missouri Bank's total assets ranged from $398.0M (Q3 2023) to $502.0M (Q4 2025), 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
$461.5M total assets against $470.0M; $403.9M total liabilities against $419.2M.
$310.2M net loans and leases against $295.4M; $403.2M total deposits against $418.2M.
$97.5M securities against $99.6M; $29.0M cash and balances due against $50.0M.
$6.3M total interest income against $6.1M; $1.9M total interest expense against $2.0M.
$4.4M net interest income against $4.1M.
$483K total noninterest income against $507K; $2.3M total noninterest expense against $2.2M.
$26K provision for credit losses against $145K.
$2.6M net income against $2.1M.
2.12% return on assets against 1.77%; 3.98% net interest margin against 3.78%.
12.57% tier 1 leverage ratio against 11.97%.
Inside the full The Missouri 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.
The Missouri Bank rankings
Its closest position to the top of a national ranking is 380 of 3,611, for ROA; its furthest is 2,882 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q4 2025) to 2.12% (Q2 2026) and its net interest margin ran from 3.56% (Q4 2024) to 3.99% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 2.12% | 0.13% | 0.64% | 3.98% |
| Q1 2026 | 12.28% | 2.11% | 0.13% | 0.70% | 3.91% |
| Q4 2025 | 12.15% | 1.21% | 0.10% | 0.56% | 3.99% |
| Q3 2025 | 12.21% | 2.01% | 0.10% | 0.54% | 3.93% |
| Q2 2025 | 11.97% | 1.77% | 0.06% | 0.34% | 3.78% |
| Q1 2025 | 11.88% | 1.55% | 0.10% | 0.55% | 3.58% |
| Q4 2024 | 12.22% | 1.48% | 0.04% | 0.23% | 3.56% |
| Q3 2024 | 12.60% | 1.78% | 0.05% | 0.25% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 Missouri Bank | Warrenton , MO | 63383 | $198.4M |
| Sedalia Branch | Sedalia , MO | 65301 | $66.0M |
| Wentzville Branch | Wentzville , MO | 63385 | $60.7M |
| Bay-Hermann-Berger Bank Branch | Hermann , MO | 65041 | $34.6M |
| Foristell Branch | Foristell , MO | 63348 | $26.2M |
| 2500 Range Line Road Branch | Columbia , MO | 65202 | $9.9M |
| Smithton Branch | Smithton , MO | 65350 | $7.3M |
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 4, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 2020 | Structure Change | Acquired The Missouri Bank II Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 2011 | Structure Change | Acquired Bay-Hermann-Berger 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.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- March 31, 2021, Federal Reserve: Civil Money Penalty: The Missouri Bank
- September 12, 2013, Federal Reserve: Civil Money Penalty, $1,870: The Missouri Bank, Warrenton, Missouri
- Period: Most recent institution action March 31, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in MO, rank 94 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 115 applications, 107 loans originated, $48.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $166K approved, $166K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Missouri Bank
What are The Missouri Bank's total assets?
As of the Q2 2026 filing, The Missouri Bank reported total assets of $461.5 million in its FFIEC call report.
Where is The Missouri Bank headquartered?
It is headquartered in Warrenton, MO, United States.
When was The Missouri Bank founded?
It was established in 1934, per the FDIC institution directory.
Is The Missouri Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14036). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Missouri Bank?
The Missouri Bank's primary federal regulator is the Federal Reserve.
How many branches does The Missouri Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Missouri Bank's Texas Ratio?
Its Texas Ratio is 0.64% 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 Missouri Bank previously called?
The charter now named The Missouri Bank has also operated as The Missouri Bank (1998), Commerce - Warren County Bank (1939-1998), per FDIC structure-change records.
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