TPNB Bank
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Data as of · sourced from FFIEC call reports. How we update
TPNB Bank is an FDIC-insured commercial bank headquartered in Paris, MO, established in 1865 (FDIC certificate 4556), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $112.0M, up 1.6% from Q2 2025, the 169th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 18.36% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4556
- Headquarters
- Paris, MO
- Established
- 1865
- Total assets, Q2 2026
- $112.0M
- Assets vs Q2 2025
- +1.6%
- CET1 ratio, Q2 2026
- 18.36%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081504266
- Latest call report
- Q2 2026, FFIEC 051 · TPNB Bank call report
- Holding company
- PARIS BANCSHARES, INC.
- Asset rank in state
- 169th of 191 in Missouri
TPNB Bank, based in Paris, Missouri, reported $112 million in assets at June 30, 2026, up 1.6% from a year earlier. It holds commercial real estate loans equal to only 19% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 24% from a year earlier, to $289,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.5 million equal 14% of Tier 1 capital, down from 22% a year earlier. Profitability lags: it returns 7.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.5%).
As of June 30, 2026, TPNB Bank reported a CET1 capital ratio of 18.36%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, TPNB Bank is the 169th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.4% to $112.0M, loans fell 5.5% and deposits fell 1.9%. Farmland and other real estate loans made up 46.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 14.7%. Its 2 offices in the FDIC Summary of Deposits are in Paris, MO and Shelbina, MO; its Paris office books 89% of its branch deposits. By the capital ratios in its Q2 2026 call report, TPNB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 N Main St, Paris, MO 65275
- County
- Monroe
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1865
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $94.1M
- Allowance for credit losses
- $826K
- Net charge-offs (YTD)
- $0
- Average total assets
- $113.6M
- Average total loans
- $67.4M
- Average interest-bearing deposits
- $67.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4556
- Fed RSSD
- 1007051
- Website
- www.tpnbbank.com →
- Parent Holding Company
- PARIS BANCSHARES, INC. (RSSD 1099065)
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
TPNB Bank's total assets moved between a low of $101.9M (Q3 2023) and a high of $117.7M (Q4 2025) 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
$112.0M total assets against $110.2M; $96.7M total liabilities against $96.8M.
$65.6M net loans and leases against $63.5M; $94.1M total deposits against $91.4M.
$32.6M securities against $33.3M; $7.0M cash and balances due against $6.7M.
$1.4M total interest income against $1.3M; $434K total interest expense against $463K.
$941K net interest income against $809K.
$68K total noninterest income against $76K; $638K total noninterest expense against $596K.
$14K provision for credit losses against $0.
$289K net income against $233K.
1.02% return on assets against 0.76%; 3.52% net interest margin against 3.06%.
18.36% CET1 capital ratio against 17.48%; 15.15% tier 1 leverage ratio against 13.19%.
Inside the full TPNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTPNB Bank rankings
Its closest position to the top of a national ranking is 442 of 2,134, for CET1 ratio; its furthest is 3,626 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 1.02% (Q2 2026) and its net interest margin ran from 2.75% (Q3 2024) to 3.52% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.36% | 1.02% | 0.00% | 0.00% | 3.52% |
| Q1 2026 | 17.56% | 0.84% | 0.00% | 0.00% | 3.47% |
| Q4 2025 | 17.36% | 0.71% | 0.00% | 0.00% | 3.30% |
| Q3 2025 | 17.77% | 0.86% | 0.00% | 0.00% | 3.18% |
| Q2 2025 | 17.48% | 0.76% | 0.00% | 0.00% | 3.06% |
| Q1 2025 | 17.04% | 0.76% | 0.00% | 0.00% | 2.97% |
| Q4 2024 | 17.65% | 0.73% | 0.00% | 0.00% | 2.88% |
| Q3 2024 | 17.36% | 0.47% | 0.12% | 0.51% | 2.75% |
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Branch Network
View all 2 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 |
|---|---|---|---|
| TPNB Bank (main office) | Paris , MO | 65275 | $83.7M |
| Shelbina Branch | Shelbina , MO | 63468 | $10.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 199 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $302K approved, $302K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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 TPNB Bank
What are TPNB Bank's total assets?
As of the Q2 2026 filing, TPNB Bank reported total assets of $112.0 million in its FFIEC call report.
Where is TPNB Bank headquartered?
It is headquartered in Paris, MO, United States.
When was TPNB Bank founded?
It was established in 1865, per the FDIC institution directory.
Is TPNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TPNB Bank?
TPNB Bank's primary federal regulator is the Federal Reserve.
What is TPNB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does TPNB Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TPNB Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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