Bank 21
Carrollton, MO·RSSD 634544·FDIC 8560·bank:634544·Risk-based ratios where reported
- #128 of 195Total assets in Missouri
- 5offices
- 33employees
- Top 4%Return on assets in the U.S.
- Top 5%Net interest margin in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Where Bank 21 differs most from peers
Loan-to-deposit ratio among the highest of similar banksContext: Liquidity111.0%peers 77.5%+33.5 pp
Bank 21's loans as a share of deposits was 111.0%, compared with a median of 77.5% among 1213 similar banks: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 111.0% | 77.5% | +33.5 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bank 21 itself is left out of every peer median and percentile. How signals work
Return on assets among the highest of similar banksContext: Earnings2.75%peers 1.26%+148 bps
Bank 21's annualized return on assets was 2.75%, compared with a median of 1.26% among 1223 similar banks: higher than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 2.75% | 1.26% | +148 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bank 21 itself is left out of every peer median and percentile. How signals work
C&I lending growing faster than peersContext: Lending+46.4%peers +0.9%+45.4 pp
Bank 21's commercial and industrial loans grew 46.4% over the past year to $17.5 million. The median among 1177 similar banks was +0.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +46.4% | +0.9% | +45.4 pp |
| Commercial and industrial loans | ||
| $17.5 million | ||
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bank 21 itself is left out of every peer median and percentile. How signals work
Key facts
- Bank 21 is a bank headquartered in Carrollton, Missouri. It reported $202 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $165 million, up 7.5% from a year earlier, and loans totaled $183 million, up 11.3%.
- Its net interest margin was 5.29% and its annualized return on assets was 2.75% for the quarter.
- Its cost of all deposits was 2.00%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bank 21's own data, FORFI would look at: Which relationships could bring deposits to fund the loan book.
Analysis workspaces
Sources and identifiers
- Institution
- Bank 21 · Bank
- Federal Reserve RSSD
- 634544
- FDIC certificate
- 8560
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Bank 21 itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.36M | — | |
| $3.4M | — | |
| $916K | — | |
| $2.48M | — | |
| $106K | — | |
| $1.22M | — | |
| $10K | — | |
| $10K | — | |
| 2.75% | 2.74%ROAQ · Quarter | |
| 5.29% | 5.27%NIMYQ · Quarter | |
| 46.97% | 46.97%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.