New Era Bank
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Data as of · sourced from FFIEC call reports. How we update
New Era Bank is an FDIC-insured commercial bank headquartered in Fredericktown, MO, established in 1934 (FDIC certificate 14546), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $453.1M, up 4.5% from Q2 2025, the 76th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.98% 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
- 14546
- Headquarters
- Fredericktown, MO
- Established
- 1934
- Total assets, Q2 2026
- $453.1M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 13.98%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 081502637
- Holding company
- NEW ERA BANCORPORATION, INC.
- Asset rank in state
- 76th of 191 in Missouri
New Era Bank is one of the more profitable banks of its size. Based in Fredericktown, Missouri, it had $453 million in assets at June 30, 2026, up 4.5% from a year earlier. It earns about $2.63 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
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 0.02% of loans from 2.83%.
As of June 30, 2026, New Era Bank reported a return on assets of 2.63%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 2.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, New Era Bank is the 76th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.9% to $453.1M, loans were flat and deposits rose 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 46.4% of total loans, followed by construction and land development loans at 20.3%. Its 8 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Fredericktown 3 offices book 47% of its branch deposits. On its Q2 2026 call report, New Era Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Mine La Motte St, Fredericktown, MO 63645
- County
- Madison
- 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 041
- Established
- January 1, 1934
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $387.7M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $322K
- Average total assets
- $440.4M
- Average total loans
- $253.2M
- Average interest-bearing deposits
- $363.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 3, 1934
- FDIC Cert
- 14546
- Fed RSSD
- 1014657
- Website
- www.newerabank.com →
- Parent Holding Company
- NEW ERA BANCORPORATION, INC. (RSSD 1119628)
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, New Era Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, New Era Bank's total assets ran between $411.1M (Q4 2023) and $453.1M (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
$453.1M total assets against $433.6M; $389.4M total liabilities against $374.8M.
$250.7M net loans and leases against $242.6M; $387.7M total deposits against $373.2M.
$117.6M securities against $104.9M; $64.1M cash and balances due against $67.5M.
$5.6M total interest income against $5.4M; $1.2M total interest expense against $1.2M.
$4.4M net interest income against $4.2M.
$796K total noninterest income against $1.1M; $2.2M total noninterest expense against $2.0M.
$86K provision for credit losses against $615K.
$2.9M net income against $2.7M.
2.63% return on assets against 2.52%; 4.22% net interest margin against 4.11%.
13.98% tier 1 leverage ratio against 13.04%.
Inside the full New Era Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNew Era Bank rankings
Its closest position to the top of a national ranking is 128 of 3,611, for ROA; its furthest is 1,992 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.78% (Q1 2025) to 2.67% (Q4 2025) and its net interest margin ran from 3.69% (Q3 2024) to 4.22% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.98% | 2.63% | 0.02% | 2.61% | 4.22% |
| Q1 2026 | 13.88% | 2.41% | 0.04% | 2.73% | 4.16% |
| Q4 2025 | 13.48% | 2.67% | 0.78% | 3.18% | 4.15% |
| Q3 2025 | 13.34% | 2.63% | 0.79% | 3.21% | 4.05% |
| Q2 2025 | 13.04% | 2.52% | 2.83% | 11.79% | 4.11% |
| Q1 2025 | 12.86% | 1.78% | 3.25% | 14.62% | 3.76% |
| Q4 2024 | 12.92% | 1.98% | 0.80% | 3.90% | 3.84% |
| Q3 2024 | 12.78% | 2.12% | 0.16% | 0.78% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| New Era Bank (main office) | Fredericktown , MO | 63645 | $184.0M |
| Farmington Branch | Farmington , MO | 63640 | $92.2M |
| 207 W Main St Branch | Park Hills , MO | 63601 | $30.7M |
| Bonne Terre Branch | Bonne Terre , MO | 63628 | $29.9M |
| Farmington Branch | Farmington , MO | 63640 | $28.5M |
| Desloge Branch | Desloge , MO | 63601 | $22.4M |
| Junction City Branch Facility | Fredericktown , MO | 63645 | $0 |
| Walk-Up-Drive-In Branch | Fredericktown , MO | 63645 | $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 |
|---|---|---|---|
| January 6, 1996 | Structure Change | Acquired St Francois County Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 5, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 96 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $13K approved, $13K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (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 New Era Bank
What are New Era Bank's total assets?
As of the Q2 2026 filing, New Era Bank reported total assets of $453.1 million in its FFIEC call report.
Where is New Era Bank headquartered?
It is headquartered in Fredericktown, MO, United States.
When was New Era Bank founded?
It was established in 1934, per the FDIC institution directory.
Is New Era Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Era Bank?
New Era Bank's primary federal regulator is the FDIC.
How many branches does New Era Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Era Bank's Texas Ratio?
Its Texas Ratio is 2.61% 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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