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Palmyra, MO · FDIC Certificate #14492 · Chartered 06/0
Total assets
$733.31M
Total deposits
$604.27M
Total equity
$68.78M
Net loans
$619.07M
Branches (offices)
9
Net income (YTD)
$7.68M
Rank: #1,334 of 4,213 U.S. banks by assets · #53 of 190 in Missouri. Assets changed 12.2% and deposits 10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.12% |
| Return on equity | 22.91% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 9.38% |
| Tier 1 leverage ratio | 9.61% |
| Uninsured deposits (share of deposits) | 17.1% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 102.4% |
| Real estate loans (share of loans) | 67.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $417.93M | 67.5% | |
| Commercial & industrial | $114.01M | 18.4% | |
| Consumer / individual | $10.12M | 1.6% | |
| Construction & development | $35.51M | 5.7% | |
| Agricultural | $81.42M | 13.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $495.02M | $437.22M | $2.66M | $42.77M |
| Jun 2023 | $549.30M | $476.76M | $3.52M | $45.71M |
| Jun 2024 | $625.77M | $513.29M | $4.32M | $56.16M |
| Jun 2025 | $653.43M | $545.53M | $6.46M | $61.66M |
| Jun 2026 | $733.31M | $604.27M | $7.68M | $68.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $413.92M | 7 |
| Illinois | $190.35M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $604.27M.
Similar-sized banks
Woodtrust Bank ($734.75M) · First Midwest Bank Of The Ozarks ($733.21M)
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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