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O'Bannon Banking Company
Buffalo, MO · FDIC Certificate #8295 · Chartered 11/2
Total assets
$332.57M
Total deposits
$297.01M
Total equity
$29.56M
Net loans
$245.17M
Branches (offices)
5
Net income (YTD)
$1.91M
Rank: #2,325 of 4,213 U.S. banks by assets · #95 of 190 in Missouri. Assets changed 7.7% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 13.27% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 8.89% |
| Tier 1 leverage ratio | 9.36% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 1.46% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 82.5% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $210.75M | 86.0% | |
| Commercial & industrial | $21.27M | 8.7% | |
| Consumer / individual | $3.02M | 1.2% | |
| Construction & development | $20.94M | 8.5% | |
| Agricultural | $12.79M | 5.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $269.55M | $245.80M | $1.25M | $20.47M |
| Jun 2023 | $270.97M | $238.90M | $1.18M | $21.51M |
| Jun 2024 | $292.38M | $261.10M | $1.42M | $23.46M |
| Jun 2025 | $308.93M | $277.37M | $1.59M | $26.30M |
| Jun 2026 | $332.57M | $297.01M | $1.91M | $29.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $297.01M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $297.01M.
Similar-sized banks
The Havana National Bank ($332.83M) · Clare Bank, National Association ($332.46M)
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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