O'Bannon Banking Company
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Data as of · sourced from FFIEC call reports. How we update
O'Bannon Banking Company is an FDIC-insured commercial bank headquartered in Buffalo, MO, established in 1905 (FDIC certificate 8295), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $332.6M, up 7.7% from Q2 2025, the 95th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.36% 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
- 8295
- Headquarters
- Buffalo, MO
- Established
- 1905
- Total assets, Q2 2026
- $332.6M
- Assets vs Q2 2025
- +7.7%
- Tier 1 leverage ratio, Q2 2026
- 9.36%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081505702
- Holding company
- BUFFALO BANCSHARES, INC.
- Asset rank in state
- 95th of 191 in Missouri
Problem loans are rising at O'Bannon Banking Company. Based in Buffalo, Missouri, it had $333 million in assets at June 30, 2026, up 7.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.46% of loans from 0.51% a year earlier. It carries problem assets equal to 11.2% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.36% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 22% from a year earlier, to $1.1 million. Over the same year, loans grew 13.1% and deposits grew 7.1%.
As of June 30, 2026, O'Bannon Banking Company reported a return on assets of 1.29%, a nonperforming-loan ratio of 1.46% and a Texas ratio of 11.16%. The figures come from its call report filed with the FFIEC.
O'Bannon Banking Company ranks as the 95th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.4% to $332.6M, loans rose 1.1% and deposits fell 0.9%. 1-4 family residential loans made up 32.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 19.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MO; its Buffalo office books 60% of its branch deposits. On its Q2 2026 call report, O'Bannon Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1347 S Ash St, Buffalo, MO 65622
- County
- Dallas
- Metro Area
- Springfield, MO
- 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
- November 20, 1905
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $297.0M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $334.5M
- Average total loans
- $245.5M
- Average interest-bearing deposits
- $237.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8295
- Fed RSSD
- 955940
- Website
- http://www.obannonbank.com →
- Parent Holding Company
- BUFFALO BANCSHARES, INC. (RSSD 1143968)
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, O'Bannon Banking Company 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, O'Bannon Banking Company's total assets ran between $274.8M (Q3 2023) and $333.8M (Q1 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
$332.6M total assets against $308.9M; $303.0M total liabilities against $282.6M.
$245.2M net loans and leases against $217.1M; $297.0M total deposits against $277.4M.
$47.8M securities against $43.6M; $28.5M cash and balances due against $37.4M.
$4.7M total interest income against $4.6M; $1.6M total interest expense against $1.6M.
$3.2M net interest income against $3.0M.
$169K total noninterest income against $163K; $2.0M total noninterest expense against $1.9M.
-$13K provision for credit losses against $84K.
$1.1M net income against $879K.
1.29% return on assets against 1.14%; 4.00% net interest margin against 4.06%.
9.36% tier 1 leverage ratio against 9.33%.
Inside the full O'Bannon Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeO'Bannon Banking Company rankings
Its closest position to the top of a national ranking is 537 of 3,640, for Texas Ratio; its furthest is 2,315 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q1 2025) to 1.29% (Q2 2026) and its net interest margin ran from 3.80% (Q1 2025) to 4.19% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.36% | 1.29% | 1.46% | 11.16% | 4.00% |
| Q1 2026 | 9.05% | 1.00% | 1.50% | 7.00% | 4.00% |
| Q4 2025 | 9.37% | 1.22% | 1.18% | 4.59% | 4.19% |
| Q3 2025 | 9.32% | 1.18% | 1.16% | 3.95% | 4.14% |
| Q2 2025 | 9.33% | 1.14% | 1.19% | 3.92% | 4.06% |
| Q1 2025 | 9.13% | 0.94% | 1.31% | 4.37% | 3.80% |
| Q4 2024 | 9.48% | 1.23% | 0.20% | 1.60% | 4.03% |
| Q3 2024 | 9.18% | 1.06% | 0.26% | 2.09% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| O'Bannon Banking Company (main office) | Buffalo , MO | 65622 | $179.7M |
| Fair Grove Branch | Fair Grove , MO | 65648 | $42.8M |
| Strafford Branch | Strafford , MO | 65757 | $34.8M |
| O'Bannon Bank - Springfield Branch | Springfield , MO | 65804 | $20.9M |
| O'Bannon Banking Company Pleasant Hope Branch | Pleasant Hope , MO | 65725 | $18.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 113 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 73 applications, 56 loans originated, $24.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $222K approved, $222K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 O'Bannon Banking Company
What are O'Bannon Banking Company's total assets?
As of the Q2 2026 filing, O'Bannon Banking Company reported total assets of $332.6 million in its FFIEC call report.
Where is O'Bannon Banking Company headquartered?
It is headquartered in Buffalo, MO, United States.
When was O'Bannon Banking Company founded?
It was established in 1905, per the FDIC institution directory.
Is O'Bannon Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates O'Bannon Banking Company?
O'Bannon Banking Company's primary federal regulator is the FDIC.
How many branches does O'Bannon Banking Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is O'Bannon Banking Company's Texas Ratio?
Its Texas Ratio is 11.16% 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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