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The Callaway Bank
Fulton, MO · FDIC Certificate #12223 · Chartered 01/0
Total assets
$511.52M
Total deposits
$429.64M
Total equity
$50.04M
Net loans
$377.41M
Branches (offices)
6
Net income (YTD)
$3.54M
Rank: #1,757 of 4,213 U.S. banks by assets · #69 of 190 in Missouri. Assets changed 2.6% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 14.57% |
| Net interest margin (YTD) | 4.45% |
| Equity to assets | 9.78% |
| Tier 1 leverage ratio | 10.12% |
| Uninsured deposits (share of deposits) | 23.6% |
| Noncurrent loans (share of loans) | 0.78% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 87.8% |
| Real estate loans (share of loans) | 80.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $304.81M | 80.8% | |
| Commercial & industrial | $45.29M | 12.0% | |
| Consumer / individual | $3.53M | 0.9% | |
| Construction & development | $40.21M | 10.7% | |
| Agricultural | $19.66M | 5.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $468.94M | $405.36M | $3.10M | $39.40M |
| Jun 2023 | $478.00M | $396.75M | $1.11M | $37.28M |
| Jun 2024 | $480.18M | $397.08M | $1.78M | $40.57M |
| Jun 2025 | $498.77M | $403.36M | $2.76M | $44.84M |
| Jun 2026 | $511.52M | $429.64M | $3.54M | $50.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $429.64M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $429.64M.
Similar-sized banks
Rondout Savings Bank ($512.03M) · Citizens State Bank ($511.35M)
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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