Preferred Bank (Rothville, MO)
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Data as of · sourced from FFIEC call reports. How we update
Preferred Bank is an FDIC-insured commercial bank headquartered in Rothville, MO, established in 1904 (FDIC certificate 10628), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $134.5M, up 1.0% from Q2 2025, the 153rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 17.71% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10628
- Headquarters
- Rothville, MO
- Established
- 1904
- Total assets, Q2 2026
- $134.5M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 17.71%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101911962
- Holding company
- BOR BANCORP
- Asset rank in state
- 153rd of 191 in Missouri
Preferred Bank is one of the more profitable banks of its size. The Rothville, Missouri bank had $134 million in assets at June 30, 2026, up 1.0% from a year earlier. It returns 27.5% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $4.7 million equal 45% of Tier 1 capital, down from 59% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 7.8% and deposits fell 1.7%. Where it has less room is capital: it funds 7.56% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Preferred Bank reported a CET1 capital ratio of 17.71%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.76%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Preferred Bank is the 153rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.6% to $134.5M, loans rose 2.0% and deposits fell 2.1%. 1-4 family residential loans made up 49.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Napoleon office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, Preferred Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 Main St, Rothville, MO 64676
- County
- Chariton
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 8, 1904
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $126.2M
- Allowance for credit losses
- $512K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $140.1M
- Average total loans
- $61.2M
- Average interest-bearing deposits
- $84.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10628
- Fed RSSD
- 252452
- Website
- mypfbank.com →
- Parent Holding Company
- BOR BANCORP (RSSD 3468209)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Preferred Bank's total assets ranged from $130.8M (Q4 2025) to $139.2M (Q3 2023), 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
$134.5M total assets against $133.1M; $128.5M total liabilities against $128.6M.
$62.0M net loans and leases against $57.5M; $126.2M total deposits against $128.4M.
$55.9M securities against $55.5M; $11.8M cash and balances due against $15.8M.
$1.4M total interest income against $1.5M; $281K total interest expense against $348K.
$1.2M net interest income against $1.1M.
$123K total noninterest income against $127K; $869K total noninterest expense against $850K.
-$3K provision for credit losses against $17K.
$420K net income against $371K.
1.20% return on assets against 1.03%; 3.59% net interest margin against 3.35%.
17.71% CET1 capital ratio against 18.69%; 7.56% tier 1 leverage ratio against 7.52%.
Inside the full Preferred Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePreferred Bank rankings
Its closest position to the top of a national ranking is 507 of 2,134, for CET1 ratio; its furthest is 3,418 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q4 2024) to 1.39% (Q3 2025) and its net interest margin ran from 3.17% (Q3 2024) to 3.71% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.71% | 1.20% | 0.18% | 1.76% | 3.59% |
| Q1 2026 | 18.09% | 1.19% | 1.08% | 9.89% | 3.51% |
| Q4 2025 | 17.99% | 0.98% | 0.99% | 9.18% | 3.71% |
| Q3 2025 | 18.47% | 1.39% | 0.00% | 0.02% | 3.62% |
| Q2 2025 | 18.69% | 1.03% | 0.10% | 1.18% | 3.35% |
| Q1 2025 | 20.99% | 0.88% | 0.26% | 2.87% | 3.17% |
| Q4 2024 | 20.43% | 0.70% | 0.02% | 0.18% | 3.17% |
| Q3 2024 | 18.35% | 1.00% | 0.03% | 0.21% | 3.17% |
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 |
|---|---|---|---|
| Napoleon Bank Branch | Napoleon , MO | 64074 | $33.2M |
| Melody Lane Branch | Lee'S Summit , MO | 64063 | $31.1M |
| Brookfield Branch | Brookfield , MO | 64628 | $25.0M |
| Marceline Branch | Marceline , MO | 64658 | $18.5M |
| Preferred Bank (main office) | Rothville , MO | 64676 | $18.3M |
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 |
|---|---|---|---|
| June 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Structure Change | Acquired Napoleon 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 178 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 39 applications, 38 loans originated, $11.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $295K approved, $148K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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 Preferred Bank
What are Preferred Bank's total assets?
As of the Q2 2026 filing, Preferred Bank reported total assets of $134.5 million in its FFIEC call report.
Where is Preferred Bank headquartered?
It is headquartered in Rothville, MO, United States.
When was Preferred Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Preferred Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10628). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Preferred Bank?
Preferred Bank's primary federal regulator is the FDIC.
What is Preferred Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Preferred Bank 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 Preferred Bank's Texas Ratio?
Its Texas Ratio is 1.76% 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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