The Bank of Missouri
Perryville, MO·RSSD 330855·FDIC 1617·bank:330855·Risk-based ratios where reported
- #11 of 195Total assets in Missouri
- Top 8%Total assets in the U.S.
- 32offices
- 573employees
- #2 of 1,942C&I loan growth in the U.S.
- Top 1%Loan growth in the U.S.
- Top 2%Deposit growth 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.
What stands out at The Bank of Missouri
15 of 24 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Deposits migrating from operating accounts to CDsWorth a look: Funding FORFI signal 2nd quarter17.7%peers 20.2%-2.5 pp
The Bank of Missouri's noninterest-bearing deposits lost share of the deposit base faster than at similar banks, while time deposits gained share.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 17.7% | 20.2% | -2.5 pp |
| Time deposits' share of deposits | ||
| 40.8% | 20.9% | +19.9 pp |
With internal data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Missouri itself is left out of every peer median and percentile. How signals work
C&I lending growing faster than peersStrength: Lending+284.7%peers +6.5%+278.2 pp
The Bank of Missouri's commercial and industrial loans grew 284.7% over the past year to $1.0 billion. The median among 260 similar banks was +6.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +284.7% | +6.5% | +278.2 pp |
| Commercial and industrial loans | ||
| $1.0 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Missouri itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency72.9%peers 55.7%+17.2 pp
The Bank of Missouri's efficiency ratio rose 33.0 percentage points over the past year to 72.9%. Among 264 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 72.9% | 55.7% | +17.2 pp |
| 12-month change | ||
| +33.0 pp | -2.1 pp | +35.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Missouri itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings1.00%peers 1.39%-39 bps
The Bank of Missouri's annualized return on assets fell 356 bps over the past year to 1.00%. Among 264 similar banks, the median rose 16 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.00% | 1.39% | -39 bps |
| 12-month change | ||
| -356 bps | +16 bps | -372 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Missouri itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality1.68%peers 0.05%+163 bps
The Bank of Missouri's annualized net charge-off rate rose 170 bps over the past year to 1.68%. Among 261 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.68% | 0.05% | +163 bps |
| 12-month change | ||
| +170 bps | 0 bps | +170 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Missouri itself is left out of every peer median and percentile. How signals work
10 more observations
- Funding pressure buildingFunding
- Reliance on CDs rising while the peer median fallsFunding
- Problem loans rising faster than peersAsset quality
- Loans growing faster than peersLending
- Net interest margin widening faster than peersEarnings
- Noninterest-bearing deposit share falling faster than peersFunding
- Deposits growing faster than peersFunding
- Deposit costs rising while the peer median fallsFunding
- Total assets growing faster than peersGrowth
- Leverage capital ratio falling while the peer median risesCapital
Key facts
- The Bank of Missouri is a bank headquartered in Perryville, Missouri. It reported $4.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $3.6 billion, up 41.8% from a year earlier, and loans totaled $3.2 billion, up 48.0%.
- Its net interest margin was 3.65% and its annualized return on assets was 1.00% for the quarter.
- Its cost of all deposits was 2.27%, compared with a median of 1.99% among 263 similar banks with $3 billion to $10 billion 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 The Bank of Missouri's own data, FORFI would look at: Which operating accounts are draining, and which customers moved balances into CDs.
Analysis workspaces
Sources and identifiers
- Institution
- The Bank of Missouri · Bank
- Federal Reserve RSSD
- 330855
- FDIC certificate
- 1617
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. The Bank of Missouri 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 |
|---|---|---|
| $10.55M | — | |
| $55.18M | — | |
| $20.98M | — | |
| $34.19M | — | |
| $12.73M | — | |
| $34.21M | — | |
| $412K | — | |
| $412K | — | |
| 1.00% | 1.00%ROAQ · Quarter | |
| 3.65% | 3.64%NIMYQ · Quarter | |
| 72.91% | 72.43%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.