Wood & Huston Bank
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Data as of · sourced from FFIEC call reports. How we update
Wood & Huston Bank is an FDIC-insured commercial bank headquartered in Marshall, MO, established in 1874 (FDIC certificate 1060), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.23B, up 3.5% from Q2 2025, the 28th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.34% 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
- 1060
- Headquarters
- Marshall, MO
- Established
- 1874
- Total assets, Q2 2026
- $1.23B
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 13.34%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 101901833
- Latest call report
- Q2 2026, FFIEC 051 · Wood & Huston Bank call report
- Holding company
- WOOD & HUSTON BANCORPORATION, INC.
- Asset rank in state
- 28th of 191 in Missouri
Wood & Huston Bank is one of the more profitable banks of its size. Its balance sheet stood at $1.2 billion at June 30, 2026, up 3.5% from a year earlier; it is based in Marshall, Missouri. It earns about $2.16 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also holds commercial real estate loans worth 1.1 times its capital, about half the median of 2.2 times for banks its size. Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 6.2% and deposits rose 1.4%.
As of June 30, 2026, Wood & Huston Bank reported a CET1 capital ratio of 13.34%, a return on assets of 2.16%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.61%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Wood & Huston Bank is the 28th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $1.23B, loans rose 5.6% and deposits fell 0.1%. Owner-occupied commercial real estate loans made up 22.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.4%. The FDIC Summary of Deposits lists 12 offices for it, in 7 cities in MO; its Marshall 5 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, Wood & Huston Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 27 E North St, Marshall, MO 65340
- County
- Saline
- Metro Area
- Marshall, 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 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- February 12, 1874
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 180
- Domestic deposits
- $1.08B
- Allowance for credit losses
- $13.1M
- Net charge-offs (YTD)
- $276K
- Average total assets
- $1.24B
- Average total loans
- $962.5M
- Average interest-bearing deposits
- $916.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1060
- Fed RSSD
- 671558
- Website
- www.woodhuston.com →
- Parent Holding Company
- WOOD & HUSTON BANCORPORATION, INC. (RSSD 1058558)
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, Wood & Huston Bank's total assets ranged from $1.14B (Q3 2023) to $1.29B (Q4 2025), 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
$1.23B total assets against $1.19B; $1.10B total liabilities against $1.07B.
$983.3M net loans and leases against $925.7M; $1.08B total deposits against $1.07B.
$141.6M securities against $148.1M; $51.7M cash and balances due against $62.8M.
$17.7M total interest income against $17.4M; $6.1M total interest expense against $7.1M.
$11.6M net interest income against $10.2M.
$2.3M total noninterest income against $2.2M; $6.9M total noninterest expense against $6.3M.
$528K provision for credit losses against $124K.
$6.7M net income against $6.1M.
2.16% return on assets against 2.02%; 3.95% net interest margin against 3.55%.
13.34% CET1 capital ratio against 12.72%; 11.55% tier 1 leverage ratio against 10.72%.
Inside the full Wood & Huston Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWood & Huston Bank rankings
Its closest position to the top of a national ranking is 344 of 3,611, for ROA; its furthest is 2,420 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q4 2024) to 2.16% (Q3 2025) and its net interest margin ran from 3.21% (Q3 2024) to 3.95% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.34% | 2.16% | 0.14% | 1.61% | 3.95% |
| Q1 2026 | 13.45% | 2.01% | 0.09% | 1.36% | 3.72% |
| Q4 2025 | 12.61% | 1.74% | 0.09% | 0.63% | 3.86% |
| Q3 2025 | 13.43% | 2.16% | 0.07% | 0.59% | 3.87% |
| Q2 2025 | 12.72% | 2.02% | 0.21% | 1.50% | 3.55% |
| Q1 2025 | 12.43% | 1.58% | 0.10% | 0.77% | 3.24% |
| Q4 2024 | 11.95% | 1.30% | 0.05% | 0.42% | 3.23% |
| Q3 2024 | 12.13% | 1.55% | 0.05% | 0.68% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Wood & Huston Bank (main office) | Marshall , MO | 65340 | $289.5M |
| 111 South Broadview Street Branch | Cape Girardeau , MO | 63703 | $280.9M |
| Sedalia Branch | Sedalia , MO | 65301 | $131.5M |
| Jackson Branch | Jackson , MO | 63755 | $114.6M |
| Wood & Huston Bank (main office) | Higginsville , MO | 64037 | $84.5M |
| 1319 N Porter Wagoner Blvd Branch | West Plains , MO | 65775 | $81.9M |
| Springfield Branch | Springfield , MO | 65807 | $62.8M |
| Wood & Huston Bank - Wal Mart Branch | Marshall , MO | 65340 | $13.2M |
| 1310 Preacher Roe Branch | West Plains , MO | 65775 | $12.6M |
| Marshall Branch | Marshall , MO | 65340 | $6.7M |
| Drive-In Facility | Marshall , MO | 65340 | $3.7M |
| Drive-In Branch | Marshall , MO | 65340 | $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 |
|---|---|---|---|
| October 26, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 1998 | Structure Change | Acquired Missouri Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 22, 1998 | Structure Change | Acquired South East Missouri Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 40 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 286 applications, 253 loans originated, $61.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Wood & Huston Bank
What are Wood & Huston Bank's total assets?
As of the Q2 2026 filing, Wood & Huston Bank reported total assets of $1.23 billion in its FFIEC call report.
Where is Wood & Huston Bank headquartered?
It is headquartered in Marshall, MO, United States.
When was Wood & Huston Bank founded?
It was established in 1874, per the FDIC institution directory.
Is Wood & Huston Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wood & Huston Bank?
Wood & Huston Bank's primary federal regulator is the FDIC.
What is Wood & Huston Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wood & Huston Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wood & Huston Bank's Texas Ratio?
Its Texas Ratio is 1.61% 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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