Silex Banking Company
BankRegReports is independent of Silex Banking Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Silex Banking Company is an FDIC-insured commercial bank headquartered in Silex, MO, established in 1934 (FDIC certificate 14178), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.2M, up 4.7% from Q2 2025, the 176th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.67% 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
- 14178
- Headquarters
- Silex, MO
- Established
- 1934
- Total assets, Q2 2026
- $98.2M
- Assets vs Q2 2025
- +4.7%
- Tier 1 leverage ratio, Q2 2026
- 14.67%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081908273
- Holding company
- SILEX BANCSHARES, INC.
- Asset rank in state
- 176th of 191 in Missouri
Problem loans are rising at Silex Banking Company. It reported $98 million in assets at June 30, 2026, up 4.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.00% a year earlier. It holds commercial real estate loans worth 0.7 times its capital, about triple the median of 26% for the 583 banks with less than $100 million in assets.
Earnings jumped: net income for the quarter was $271,000, 94% above the same quarter a year earlier.
As of June 30, 2026, Silex Banking Company reported a return on assets of 1.11%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 3.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Silex Banking Company is the 176th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $98.2M, loans fell 1.6% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 34.8% of total loans, ahead of 1-4 family residential loans at 33.1%. The FDIC Summary of Deposits lists a single office for it, in Silex, MO. By the capital ratios in its Q2 2026 call report, Silex Banking Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1159 Highway E, Silex, MO 63377
- County
- Lincoln
- Metro Area
- St. Louis, MO-IL
- 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 24, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $84.4M
- Allowance for credit losses
- $554K
- Net charge-offs (YTD)
- $0
- Average total assets
- $97.9M
- Average total loans
- $62.2M
- Average interest-bearing deposits
- $67.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 30, 1934
- FDIC Cert
- 14178
- Fed RSSD
- 552956
- Website
- http://www.silexbank.com →
- Parent Holding Company
- SILEX BANCSHARES, INC. (RSSD 1141263)
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, Silex Banking Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Silex Banking Company's total assets moved between a low of $88.5M (Q4 2023) and a high of $98.2M (Q2 2026) from Q3 2023 to 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
$98.2M total assets against $93.7M; $84.5M total liabilities against $81.1M.
$61.5M net loans and leases against $59.6M; $84.4M total deposits against $81.0M.
$22.5M securities against $24.0M; $11.3M cash and balances due against $8.9M.
$1.2M total interest income against $1.1M; $323K total interest expense against $347K.
$854K net interest income against $756K.
$14K total noninterest income against $20K; $567K total noninterest expense against $508K.
-$16K provision for credit losses against $62K.
$271K net income against $140K.
1.11% return on assets against 0.59%; 3.67% net interest margin against 3.31%.
14.67% tier 1 leverage ratio against 14.32%.
Inside the full Silex Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSilex Banking Company rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q1 2025) to 1.65% (Q3 2025) and its net interest margin ran from 3.06% (Q4 2024) to 3.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.67% | 1.11% | 0.91% | 3.96% | 3.67% |
| Q1 2026 | 15.00% | 0.98% | 0.00% | 0.00% | 3.58% |
| Q4 2025 | 13.19% | 1.15% | 0.00% | 0.00% | 3.54% |
| Q3 2025 | 14.76% | 1.65% | 0.00% | 0.00% | 3.54% |
| Q2 2025 | 14.32% | 0.59% | 0.00% | 0.00% | 3.31% |
| Q1 2025 | 14.31% | 0.15% | 0.00% | 0.00% | 3.09% |
| Q4 2024 | 14.21% | 0.59% | 0.01% | 0.03% | 3.06% |
| Q3 2024 | 14.49% | 1.12% | 0.00% | 0.00% | 3.19% |
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 |
|---|---|---|---|
| Silex Banking Company (main office) | Silex , MO | 63377 | $84.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 208 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
Add this badge to your website
Free to use. It shows Silex Banking Company’s latest filed figures and updates each quarter.
Similar banks
Compare Silex Banking Company with peers
Frequently asked about Silex Banking Company
What are Silex Banking Company's total assets?
As of the Q2 2026 filing, Silex Banking Company reported total assets of $98.2 million in its FFIEC call report.
Where is Silex Banking Company headquartered?
It is headquartered in Silex, MO, United States.
When was Silex Banking Company founded?
It was established in 1934, per the FDIC institution directory.
Is Silex Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Silex Banking Company?
Silex Banking Company's primary federal regulator is the FDIC.
How many branches does Silex Banking Company 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 Silex Banking Company's Texas Ratio?
Its Texas Ratio is 3.96% 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.
Go deeper on Silex Banking Company.
Get an email when Silex Banking Company files its next call report, and benchmark it against any peer you choose.
Unlock Silex Banking Company, freeFree account