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Commercial Trust Company Of Fayette
Fayette, MO · FDIC Certificate #9791 · Chartered 01/0
Total assets
$163.79M
Total deposits
$145.18M
Total equity
$16.47M
Net loans
$109.41M
Branches (offices)
2
Net income (YTD)
$1.17M
Rank: #3,208 of 4,213 U.S. banks by assets · #134 of 190 in Missouri. Assets changed 5.3% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 14.42% |
| Net interest margin (YTD) | 3.78% |
| Equity to assets | 10.06% |
| Tier 1 leverage ratio | 10.41% |
| Uninsured deposits (share of deposits) | 30.7% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 86.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.90M | 86.7% | |
| Commercial & industrial | $1.88M | 1.7% | |
| Consumer / individual | $8.01M | 7.3% | |
| Construction & development | $7.89M | 7.2% | |
| Agricultural | $5.46M | 5.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $183.22M | $161.32M | $1.15M | $13.75M |
| Jun 2023 | $170.45M | $150.27M | $914.00K | $14.09M |
| Jun 2024 | $154.34M | $134.18M | $992.00K | $15.54M |
| Jun 2025 | $155.57M | $137.35M | $932.00K | $16.08M |
| Jun 2026 | $163.79M | $145.18M | $1.17M | $16.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $145.18M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $145.18M.
Similar-sized banks
Bank Of Maysville ($163.99M) · The Salyersville National Bank ($163.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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