The Bank of Missouri: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 1.73% from 0.41% in the prior period. Headquartered in Perryville, The Bank of Missouri serves the Missouri market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $4.2B in assets, including $3.2B in loans. Earnings are mid-range, 1.00% ROA and a 3.65% net interest margin. Regulatory capital is solid, 10.30% CET1 and 11.23% total risk-based capital ratio. Credit conditions bear watching: 1.73% NPL ratio with a 13.76% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 32 branches concentrated in Missouri.
As of June 30, 2026, The Bank of Missouri reported a CET1 capital ratio of 10.30%, a return on assets of 1.00%, a nonperforming-loan ratio of 1.73%, a Texas ratio of 13.76%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 916 N Kings Hwy, Perryville, MO 63775
- County
- Perry
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- November 7, 1891
- Former names
- The Bank of Missouri (1997)
- Offices
- 32 domestic
- Employees (FTE)
- 573
- Domestic deposits
- $3.58B
- Allowance for credit losses
- $48.1M
- Net charge-offs (YTD)
- $13.3M
- Average total assets
- $4.22B
- Average total loans
- $3.17B
- Average interest-bearing deposits
- $3.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1617
- Fed RSSD
- 330855
- SEC CIK
- 843866 → filed by RELIABLE COMMUNITY BANCSHARES, INC.
- Website
- WWW.BANKOFMISSOURI.COM →
- Parent Holding Company
- RELIABLE COMMUNITY BANCSHARES, INC. (RSSD 1416439)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Missouri terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Missouri, freeThe Bank of Missouri rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.30% | 1.00% | 1.73% | 13.76% | 3.65% |
| Q1 2026 | 10.36% | 0.94% | 0.41% | 3.29% | 3.43% |
| Q4 2025 | 13.45% | 0.55% | 0.64% | 4.38% | 3.29% |
| Q3 2025 | 13.33% | 0.95% | 0.59% | 4.04% | 3.17% |
| Q2 2025 | 12.94% | 4.58% | 0.59% | 4.09% | 2.93% |
| Q1 2025 | 12.27% | 0.57% | 0.60% | 4.48% | 2.63% |
| Q4 2024 | 12.43% | 0.64% | 0.61% | 4.58% | 2.58% |
| Q3 2024 | 12.50% | 0.48% | 0.63% | 4.74% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 32 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| M1 Bank Clayton Branch | Clayton , MO | 63105 | $676.1M |
| The Bank of Missouri | Perryville , MO | 63775 | $545.8M |
| Des Peres Branch | Des Peres , MO | 63131 | $363.8M |
| Columbia Branch | Columbia , MO | 65201 | $179.9M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $159.7M |
| Jackson Branch | Jackson , MO | 63755 | $153.7M |
| South Springfield Avenue Bank Branch | Bolivar , MO | 65613 | $140.3M |
| St. Robert Branch | Saint Robert , MO | 65584 | $114.5M |
| Rolla Branch | Rolla , MO | 65401 | $106.3M |
| The Bank of Missouri | Scott City , MO | 63780 | $102.2M |
| Marble Hill Branch | Marble Hill , MO | 63764 | $86.3M |
| Branson Branch | Branson , MO | 65616 | $85.8M |
| Cape Girardeau Branch | Cape Girardeau , MO | 63701 | $77.5M |
| Countryside Bank Branch | Republic , MO | 65738 | $71.2M |
| Martinsburg Bank and Trust Branch | Mexico , MO | 65265 | $69.8M |
| Bolivar Branch | Bolivar , MO | 65613 | $66.1M |
| Springfield Branch | Springfield , MO | 65807 | $57.6M |
| Jackson Branch | Jackson , MO | 63755 | $54.0M |
| Bank Star of the Bootheel Branch | Steele , MO | 63877 | $52.9M |
| The Bank of Missouri | Ozark , MO | 65721 | $51.0M |
| Caruthersville Branch | Caruthersville , MO | 63830 | $50.9M |
| The Bank of Missouri | Springfield , MO | 65804 | $49.1M |
| Martinsburg Branch | Martinsburg , MO | 65264 | $46.7M |
| Broadway Branch | Cape Girardeau , MO | 63701 | $44.6M |
| Montgomery City Branch | Montgomery City , MO | 63361 | $40.6M |
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 |
|---|---|---|---|
| March 21, 2026 | Structure Change | Acquired M1 Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 2020 | Structure Change | Acquired Bank of Bolivar Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 7, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 24, 2018 | Structure Change | Acquired Mid America Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2018 | Structure Change | Acquired Martinsburg Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2015 | Structure Change | Acquired Bank Star of the BootHeel Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Security Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 2008 | Structure Change | Acquired Countryside Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 1951 | Structure Change | Acquired Brazeau Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The Bank of Missouri, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in MO, rank 12 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,167 applications, 833 loans originated, $197.6M originated, across 18 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of Missouri
What are The Bank of Missouri's total assets?
As of the Q2 2026 filing, The Bank of Missouri reported total assets of $4.23 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Missouri headquartered?
The Bank of Missouri is headquartered in Perryville, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Missouri founded?
The Bank of Missouri was established in 1891, per the FDIC institution directory.
Is The Bank of Missouri FDIC-insured?
Yes. The Bank of Missouri is an FDIC-insured commercial bank (FDIC Certificate #1617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Missouri?
The Bank of Missouri's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of Missouri's CET1 capital ratio?
The Bank of Missouri reported a Common Equity Tier 1 (CET1) capital ratio of 10.30% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of Missouri operate?
The Bank of Missouri operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Missouri's Texas Ratio?
The Bank of Missouri's Texas Ratio is 13.76% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of Missouri previously called?
The charter now named The Bank of Missouri has also operated as The Bank of Missouri (1997), per FDIC structure-change records.
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