RANKING · Q2 2026

Lowest efficiency ratio in Missouri

176 of 195 banks in Missouri that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.

Lowest efficiency ratio in Missouri, Q2 2026
Rank	Institution	Headquarters	Efficiency ratio (noninterest expense / revenue)	Total assets
1	Stifel Bank and Trust	Saint Louis, MO	27.0%	$19.6 billion
2	Stifel Bank	Saint Louis, MO	27.9%	$14.6 billion
3	Putnam County State Bank	Unionville, MO	31.0%	$318 million
4	Bank of Odessa	Odessa, MO	34.2%	$667 million
5	Central Bank of Kansas City	Kansas City, MO	35.2%	$410 million
6	Cass Commercial Bank	Des Peres, MO	35.4%	$1.3 billion
7	Citizens' Bank of Charleston	Charleston, MO	36.4%	$185 million
8	Stifel Trust Company N.A.	Saint Louis, MO	38.7%	$911 million
9	Community State Bank	Shelbina, MO	38.7%	$133 million
10	The Citizens Bank of Edina	Edina, MO	39.5%	$107 million
11	Legends Bank	Linn, MO	39.8%	$636 million
12	St. Clair County State Bank	Osceola, MO	40.0%	$232 million
13	Adrian Bank	Adrian, MO	40.1%	$196 million
14	Bank of Versailles	Versailles, MO	40.3%	$359 million
15	Bank Northwest	Hamilton, MO	41.9%	$210 million
16	Security Bank of Southwest Missouri	Cassville, MO	42.1%	$147 million
17	New Era Bank	Fredericktown, MO	42.7%	$453 million
18	The Bank of Old Monroe	Old Monroe, MO	43.1%	$995 million
19	Citizens Bank of Eldon	Eldon, MO	43.2%	$247 million
20	Pony Express Bank	Braymer, MO	43.4%	$399 million
21	Community Point Bank	Russellville, MO	43.5%	$260 million
22	North American Savings Bank FSB	Grandview, MO	43.9%	$3.2 billion
23	Connections Bank	Platte City, MO	43.9%	$517 million
24	Community Bank of El Dorado Springs	El Dorado Spring, MO	44.3%	$144 million
25	F & C Bank	Holden, MO	44.8%	$481 million
26	Bloomsdale Bank	Bloomsdale, MO	45.1%	$390 million
27	Hnb National Bank	Hannibal, MO	45.4%	$1.3 billion
28	People'S Bank of Seneca	Seneca, MO	46.0%	$496 million
29	Omb Bank	Springfield, MO	46.2%	$2.4 billion
30	Community First Bank	Butler, MO	47.0%	$259 million
31	Bank 21	Carrollton, MO	47.0%	$202 million
32	The Missouri Bank	Warrenton, MO	47.0%	$461 million
33	The Central Trust Bank	Jefferson City, MO	47.9%	$20.3 billion
34	Bank of Grandin	Grandin, MO	48.0%	$241 million
35	The Bank of Advance	Advance, MO	48.1%	$510 million
36	The Citizens-Farmers Bank of Cole Camp	Cole Camp, MO	48.1%	$207 million
37	Northeast Missouri State Bank	Kirksville, MO	48.5%	$164 million
38	First State Community Bank	Farmington, MO	49.0%	$4.5 billion
39	Bank of Monticello	Monticello, MO	49.1%	$159 million
40	Peoples Community Bank	Greenville, MO	49.3%	$735 million
41	Regional Missouri Bank	Marceline, MO	49.4%	$597 million
42	Wood & Huston Bank	Marshall, MO	49.6%	$1.2 billion
43	Southern Bank	Poplar Bluff, MO	50.0%	$5.2 billion
44	Lindell Bank & Trust Company	St. Louis, MO	50.0%	$915 million
45	Triad Bank	Frontenac, MO	50.3%	$1.1 billion
46	Freedom Bank of Southern Missouri	Cassville, MO	50.4%	$850 million
47	Mrv Banks	Sainte Genevieve, MO	50.6%	$803 million
48	Metz Banking Company	Nevada, MO	50.7%	$117 million
49	Bank of Weston	Weston, MO	50.9%	$246 million
50	Umb Bank N.A.	Kansas City, MO	51.3%	$71.9 billion
51	Town & Country Bank	Salem, MO	51.7%	$748 million
52	The Nodaway Valley Bank	Maryville, MO	51.7%	$1.6 billion
53	Peoples Bank & Trust Co.	Troy, MO	52.0%	$908 million
54	Farmers Bank of Northern Missouri	Unionville, MO	52.3%	$567 million
55	Community State Bank of Missouri	Bowling Green, MO	52.3%	$334 million
56	First State Bank and Trust Company Inc.	Caruthersville, MO	52.8%	$659 million
57	The Bank of Grain Valley	Grain Valley, MO	52.9%	$111 million
58	Midwest Bankcentre	Lemay, MO	53.0%	$3.1 billion
59	Mid America Bank	Jefferson City, MO	53.2%	$1.2 billion
60	First Midwest Bank of Dexter	Dexter, MO	53.3%	$652 million
61	Peoples Bank of Wyaconda	Kahoka, MO	53.3%	$148 million
62	Belgrade State Bank	Belgrade, MO	53.3%	$548 million
63	Jonesburg State Bank	Jonesburg, MO	53.6%	$146 million
64	Sterling Bank	Poplar Bluff, MO	53.6%	$1.6 billion
65	Homebank	Palmyra, MO	54.2%	$733 million
66	Sullivan Bank	Sullivan, MO	54.4%	$1.4 billion
67	Verimore Bank	Brookfield, MO	54.6%	$639 million
68	The Hamilton Bank	Hamilton, MO	55.1%	$120 million
69	Century Bank of the Ozarks	Gainesville, MO	55.2%	$305 million
70	Exchange Bank Co.	Kahoka, MO	55.4%	$342 million
71	Concordia Bank	Concordia, MO	55.6%	$130 million
72	Legacy Bank & Trust Company	Mountain Grove, MO	55.7%	$1.8 billion
73	The First National Bank of Nevada	Nevada, MO	56.0%	$122 million
74	Oakstar Bank	Springfield, MO	56.0%	$3.3 billion
75	Community First Banking Company	West Plains, MO	56.2%	$307 million
76	The Cornerstone Bank	South West City, MO	56.3%	$211 million
77	West Plains Bank and Trust Company	West Plains, MO	56.6%	$768 million
78	Blue Ridge Bank and Trust Co.	Independence, MO	56.7%	$867 million
79	Hawthorn Bank	Jefferson City, MO	56.9%	$1.8 billion
80	Heritage Community Bank	Union, MO	57.1%	$348 million
81	Saint Louis Bank	Saint Louis, MO	57.4%	$1.1 billion
82	Bank of New Madrid	New Madrid, MO	57.6%	$117 million
83	Home Savings and Loan Association of Carroll County F.A.	Norborne, MO	57.8%	$131 million
84	Goppert Financial Bank	Lathrop, MO	57.9%	$312 million
85	County Bank	Brunswick, MO	57.9%	$134 million
86	Ozark Bank	Ozark, MO	58.0%	$341 million
87	Alliance Bank	Cape Girardeau, MO	58.1%	$391 million
88	Exchange Bank of Missouri	Fayette, MO	58.1%	$454 million
89	First Midwest Bank of the Ozarks	Poplar Bluff, MO	58.4%	$733 million
90	First State Bank of Purdy	Purdy, MO	58.4%	$249 million
91	State Bank of Missouri	Concordia, MO	58.4%	$134 million
92	Community Bank of Raymore	Raymore, MO	58.5%	$347 million
93	O'Bannon Banking Company	Buffalo, MO	58.7%	$333 million
94	Commerce Bank	Kansas City, MO	58.8%	$35.0 billion
95	First Independent Bank	Aurora, MO	59.2%	$148 million
96	Table Rock Community Bank	Kimberling City, MO	59.6%	$569 million
97	The Callaway Bank	Fulton, MO	59.9%	$512 million
98	United Bank of Union	Union, MO	60.0%	$578 million
99	Bank of Salem	Salem, MO	60.1%	$147 million
100	Mid-Missouri Bank	Springfield, MO	60.2%	$947 million

Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings