Asset Quality ranking · Missouri · Call report data as of September 30, 2026
Missouri Banks: Highest CRE Delinquency
Heritage Bank of the Ozarks has the highest commercial real estate noncurrent rate of the 114 ranked banks headquartered in Missouri, at 12.75% as of September 30, 2026. The median among the 114 ranked Missouri banks is 0.17%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.07%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Missouri banks by commercial real estate noncurrent rate. For the largest banks headquartered in Missouri, see largest banks in Missouri.
- No. 1 in Missouri
- Heritage Bank of the Ozarks
- Its CRE noncurrent
- 12.75%
- Missouri median
- 0.17%
- Banks ranked
- 114
Ranked among banks headquartered in Missouri, numbered 1 to 100 within the state from the same population as the national list. Browse every bank in the Missouri bank directory.
Top 100 Missouri banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Missouri median of 0.17%. Missing values show as a dash and sort last.
| 1 | Heritage Bank of the Ozarks Lebanon, MO | 12.75% | $430.6M $100M to $1B |
| 2 | First State Bank and Trust Company, Inc. Caruthersville, MO | 12.39% | $704.4M $100M to $1B |
| 3 | MRV Banks Sainte Genevieve, MO | 7.97% | $786.9M $100M to $1B |
| 4 | Midwest Regional Bank Clayton, MO | 6.65% | $920.4M $100M to $1B |
| 5 | St. Johns Bank & Trust Company Saint Louis, MO | 6.49% | $295.9M $100M to $1B |
| 6 | Ozark Bank Ozark, MO | 4.49% | $341.8M $100M to $1B |
| 7 | First Bank of the Lake Osage Beach, MO | 3.96% | $2.39B $1B to $10B |
| 8 | Bank of Grandin Grandin, MO | 3.96% | $240.2M $100M to $1B |
| 9 | United Bank of Union Union, MO | 3.94% | $574.1M $100M to $1B |
| 10 | Exchange Bank of Missouri Fayette, MO | 3.92% | $454.1M $100M to $1B |
| 11 | Citizens Bank Butler, MO | 3.26% | $191.1M $100M to $1B |
| 12 | Peoples Bank & Trust Co. Troy, MO | 3.23% | $872.6M $100M to $1B |
| 13 | Ma Bank Macon, MO | 3.22% | $425.4M $100M to $1B |
| 14 | Saint Louis Bank Saint Louis, MO | 3.17% | $1.16B $1B to $10B |
| 15 | F&M Bank and Trust Company Hannibal, MO | 2.37% | $187.0M $100M to $1B |
| 16 | American Bank of Freedom Wellsville, MO | 1.90% | $931.9M $100M to $1B |
| 17 | Legacy Bank & Trust Company Mountain Grove, MO | 1.88% | $1.86B $1B to $10B |
| 18 | Enterprise Bank & Trust Clayton, MO | 1.84% | $17.77B $10B to $100B |
| 19 | Citizens Bank New Haven, MO | 1.60% | $369.4M $100M to $1B |
| 20 | First Midwest Bank of the Ozarks Poplar Bluff, MO | 1.56% | $741.6M $100M to $1B |
| 21 | First State Community Bank Farmington, MO | 1.55% | $4.50B $1B to $10B |
| 22 | OMB Bank Springfield, MO | 1.55% | $2.46B $1B to $10B |
| 23 | First Midwest Bank of Dexter Dexter, MO | 1.51% | $656.5M $100M to $1B |
| 24 | Sullivan Bank Sullivan, MO | 1.36% | $1.41B $1B to $10B |
| 25 | Bank of Odessa Odessa, MO | 1.35% | $661.5M $100M to $1B |
| 26 | F & C Bank Holden, MO | 1.21% | $503.1M $100M to $1B |
| 27 | Lindell Bank & Trust Company Saint Louis, MO | 1.20% | $920.5M $100M to $1B |
| 28 | First State Bank of the Ozarks Purdy, MO | 1.17% | $259.1M $100M to $1B |
| 29 | Academy Bank, N.A. Kansas City, MO | 1.07% | $3.27B $1B to $10B |
| 30 | OakStar Bank Springfield, MO | 1.07% | $3.42B $1B to $10B |
| 31 | Commercial Bank Saint Louis, MO | 1.00% | $271.3M $100M to $1B |
| 32 | Lead Bank Kansas City, MO | 0.95% | $3.08B $1B to $10B |
| 33 | Belgrade State Bank Belgrade, MO | 0.89% | $543.4M $100M to $1B |
| 34 | Focus Bank Charleston, MO | 0.79% | $851.8M $100M to $1B |
| 35 | Verimore Bank Brookfield, MO | 0.77% | $640.8M $100M to $1B |
| 36 | The Bank of Missouri Perryville, MO | 0.64% | $4.25B $1B to $10B |
| 37 | Unico Bank Mineral Point, MO | 0.60% | $490.9M $100M to $1B |
| 38 | The Central Trust Bank Jefferson City, MO | 0.60% | $20.23B $10B to $100B |
| 39 | Peoples Community Bank Greenville, MO | 0.49% | $719.9M $100M to $1B |
| 40 | Bank of Washington Washington, MO | 0.49% | $1.10B $1B to $10B |
| 41 | Legends Bank Linn, MO | 0.48% | $637.7M $100M to $1B |
| 42 | Alliance Bank Cape Girardeau, MO | 0.41% | $394.5M $100M to $1B |
| 43 | Southern Bank Poplar Bluff, MO | 0.41% | $5.26B $1B to $10B |
| 44 | West Plains Bank and Trust Company West Plains, MO | 0.36% | $763.4M $100M to $1B |
| 45 | UMB Bank, N.A. Kansas City, MO | 0.33% | $72.36B $10B to $100B |
| 46 | Southwest Missouri Bank Carthage, MO | 0.32% | $1.18B $1B to $10B |
| 47 | Hawthorn Bank Jefferson City, MO | 0.27% | $2.13B $1B to $10B |
| 48 | Cass Commercial Bank Des Peres, MO | 0.26% | $1.40B $1B to $10B |
| 49 | The Bank of Advance Advance, MO | 0.25% | $519.2M $100M to $1B |
| 50 | Farmers Bank of Northern Missouri Unionville, MO | 0.24% | $549.9M $100M to $1B |
| 51 | Commerce Bank Kansas City, MO | 0.24% | $34.64B $10B to $100B |
| 52 | Midwest Bankcentre Saint Louis, MO | 0.23% | $3.11B $1B to $10B |
| 53 | Mid-Missouri Bank Springfield, MO | 0.23% | $946.8M $100M to $1B |
| 54 | Town & Country Bank Salem, MO | 0.22% | $735.8M $100M to $1B |
| 55 | The Callaway Bank Fulton, MO | 0.21% | $494.4M $100M to $1B |
| 56 | The Maries County Bank Vienna, MO | 0.20% | $603.2M $100M to $1B |
| 57 | Mid America Bank Jefferson City, MO | 0.17% | $1.22B $1B to $10B |
| 58 | First Bank Creve Coeur, MO | 0.16% | $6.63B $1B to $10B |
| 59 | PSB Bank Rhineland, MO | 0.15% | $1.07B $1B to $10B |
| 60 | HNB National Bank Hannibal, MO | 0.13% | $1.32B $1B to $10B |
| 61 | Century Bank of the Ozarks Gainesville, MO | 0.12% | $307.2M $100M to $1B |
| 62 | BTC Bank Bethany, MO | 0.12% | $1.93B $1B to $10B |
| 63 | CNB St. Louis Bank Maplewood, MO | 0.08% | $811.0M $100M to $1B |
| 64 | Sterling Bank Poplar Bluff, MO | 0.07% | $1.56B $1B to $10B |
| 65 | Montgomery Bank Sikeston, MO | 0.04% | $1.20B $1B to $10B |
| 66 | Regional Missouri Bank Marceline, MO | 0.04% | $596.4M $100M to $1B |
| 67 | Guaranty Bank Springfield, MO | 0.03% | $2.42B $1B to $10B |
| 68 | Stifel Bank and Trust Saint Louis, MO | 0.00% | $18.77B $10B to $100B |
| 69 | Great Southern Bank Reeds Spring, MO | 0.00% | $5.82B $1B to $10B |
| 70 | North American Savings Bank, FSB Grandview, MO | 0.00% | $3.23B $1B to $10B |
| 71 | The Nodaway Valley Bank Maryville, MO | 0.00% | $1.60B $1B to $10B |
| 72 | Wood & Huston Bank Marshall, MO | 0.00% | $1.26B $1B to $10B |
| 73 | Parkside Financial Bank and Trust Clayton, MO | 0.00% | $1.22B $1B to $10B |
| 74 | Triad Bank Frontenac, MO | 0.00% | $1.08B $1B to $10B |
| 75 | Royal Banks of Missouri Saint Louis, MO | 0.00% | $1.04B $1B to $10B |
| 76 | The Bank of Old Monroe Old Monroe, MO | 0.00% | $988.7M $100M to $1B |
| 77 | Freedom Bank of Southern Missouri Cassville, MO | 0.00% | $885.9M $100M to $1B |
| 78 | Homebank Palmyra, MO | 0.00% | $757.8M $100M to $1B |
| 79 | Phelps County Bank Rolla, MO | 0.00% | $622.0M $100M to $1B |
| 80 | Table Rock Community Bank Kimberling City, MO | 0.00% | $606.9M $100M to $1B |
| 81 | First State Bank of St. Charles, Missouri Saint Charles, MO | 0.00% | $533.9M $100M to $1B |
| 82 | Connections Bank Platte City, MO | 0.00% | $523.8M $100M to $1B |
| 83 | People's Bank of Seneca Seneca, MO | 0.00% | $523.8M $100M to $1B |
| 84 | New Era Bank Fredericktown, MO | 0.00% | $449.2M $100M to $1B |
| 85 | The Missouri Bank Warrenton, MO | 0.00% | $448.8M $100M to $1B |
| 86 | Central Bank of Kansas City Kansas City, MO | 0.00% | $439.2M $100M to $1B |
| 87 | Bank of Franklin County Washington, MO | 0.00% | $427.8M $100M to $1B |
| 88 | Branson Bank Branson, MO | 0.00% | $417.9M $100M to $1B |
| 89 | Bloomsdale Bank Bloomsdale, MO | 0.00% | $406.1M $100M to $1B |
| 90 | Pony Express Bank Braymer, MO | 0.00% | $389.1M $100M to $1B |
| 91 | Heritage Community Bank Union, MO | 0.00% | $354.5M $100M to $1B |
| 92 | Farmers and Merchants Bank of St. Clair Saint Clair, MO | 0.00% | $353.1M $100M to $1B |
| 93 | Midwest Independent Bankersbank Jefferson City, MO | 0.00% | $352.2M $100M to $1B |
| 94 | Community Bank of Raymore Raymore, MO | 0.00% | $341.7M $100M to $1B |
| 95 | Community State Bank of Missouri Bowling Green, MO | 0.00% | $335.9M $100M to $1B |
| 96 | O'Bannon Banking Company Buffalo, MO | 0.00% | $327.9M $100M to $1B |
| 97 | Community First Banking Company West Plains, MO | 0.00% | $320.5M $100M to $1B |
| 98 | Arlo Bank Springfield, MO | 0.00% | $278.8M $100M to $1B |
| 99 | Lamar Bank and Trust Company Lamar, MO | 0.00% | $270.2M $100M to $1B |
| 100 | Community Point Bank Russellville, MO | 0.00% | $263.9M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 114 banks headquartered in Missouri that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Missouri has the highest commercial real estate noncurrent rate?
Heritage Bank of the Ozarks has the highest commercial real estate noncurrent rate of the 114 ranked banks headquartered in Missouri, at 12.75% as of September 30, 2026, according to its FFIEC call report. First State Bank and Trust Company, Inc. ranks second at 12.39%. The median is 0.17%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Missouri rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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