Neighbors Bank
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Data as of · sourced from FFIEC call reports. How we update
Neighbors Bank is an FDIC-insured commercial bank headquartered in Clarence, MO, established in 1945 (FDIC certificate 16247), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $115.6M, up 4.5% from Q2 2025, the 168th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.06% 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
- 16247
- Headquarters
- Clarence, MO
- Established
- 1945
- Total assets, Q2 2026
- $115.6M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 11.06%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081518210
- Holding company
- COLUMBIA BANCSHARES, INC
- Asset rank in state
- 168th of 191 in Missouri
Neighbors Bank spends more to run itself than most banks of its size. Based in Clarence, Missouri, it had $116 million in assets at June 30, 2026, up 4.5% from a year earlier. It loses about $3.77 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 106 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $1.0 million in the quarter. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.38% of loans from 1.20% a year earlier. Its margin is thin by comparison: it keeps 2.92 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Neighbors Bank reported a return on assets of -3.77%, a nonperforming-loan ratio of 1.38% and a Texas ratio of 11.10%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Neighbors Bank is the 168th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $115.6M, loans rose 1.2% and deposits fell 5.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 82.3% of total loans, ahead of farmland and other real estate loans at 9.4%. The FDIC Summary of Deposits lists a single office for it, in Clarence, MO. On its Q2 2026 call report, Neighbors Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 109 East St, Clarence, MO 63437
- County
- Shelby
- 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
- March 31, 1945
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 339
- Domestic deposits
- $82.1M
- Allowance for credit losses
- $266K
- Net charge-offs (YTD)
- $6K
- Average total assets
- $110.1M
- Average total loans
- $78.1M
- Average interest-bearing deposits
- $74.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 7, 1945
- FDIC Cert
- 16247
- Fed RSSD
- 503640
- Website
- www.neighborsbank.com →
- Parent Holding Company
- COLUMBIA BANCSHARES, INC (RSSD 4975496)
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, Neighbors 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, Neighbors Bank's total assets ranged from $66.2M (Q3 2023) to $115.6M (Q2 2026), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$115.6M total assets against $110.6M; $104.3M total liabilities against $95.3M.
$89.5M net loans and leases against $82.9M; $82.1M total deposits against $74.6M.
$9.1M securities against $9.1M; $8.9M cash and balances due against $11.8M.
$1.3M total interest income against $1.2M; $622K total interest expense against $542K.
$693K net interest income against $625K.
$15.1M total noninterest income against $11.6M; $16.8M total noninterest expense against $11.5M.
$17K provision for credit losses against -$65K.
-$1.0M net income against $827K.
-3.77% return on assets against 3.32%; 2.92% net interest margin against 2.93%.
11.06% tier 1 leverage ratio against 16.42%.
Inside the full Neighbors 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Neighbors Bank rankings
Its closest position to the top of a national ranking is 541 of 3,640, for Texas Ratio; its furthest is 3,602 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -6.39% (Q4 2025) to 6.66% (Q3 2024) and its net interest margin ran from 2.47% (Q1 2026) to 3.36% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.06% | -3.77% | 1.38% | 11.10% | 2.92% |
| Q1 2026 | 12.06% | -4.20% | 1.32% | 9.69% | 2.47% |
| Q4 2025 | 12.76% | -6.39% | 1.61% | 9.62% | 2.86% |
| Q3 2025 | 15.38% | -0.66% | 1.43% | 6.54% | 3.13% |
| Q2 2025 | 16.42% | 3.32% | 1.20% | 6.73% | 2.93% |
| Q1 2025 | 18.90% | 1.76% | 1.07% | 4.81% | 3.36% |
| Q4 2024 | 17.38% | 5.60% | 0.71% | 3.77% | 3.00% |
| Q3 2024 | 17.57% | 6.66% | 0.88% | 4.10% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Neighbors Bank (main office) | Clarence , MO | 63437 | $82.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 209 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Neighbors Bank
What are Neighbors Bank's total assets?
As of the Q2 2026 filing, Neighbors Bank reported total assets of $115.6 million in its FFIEC call report.
Where is Neighbors Bank headquartered?
It is headquartered in Clarence, MO, United States.
When was Neighbors Bank founded?
It was established in 1945, per the FDIC institution directory.
Is Neighbors Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Neighbors Bank?
Neighbors Bank's primary federal regulator is the FDIC.
How many branches does Neighbors Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Neighbors Bank's Texas Ratio?
Its Texas Ratio is 11.10% 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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