TellerScore

Bank 21 is a state-chartered bank headquartered in Carrollton, Missouri, in business for about 114 years. At the end of Q2 2026 it reported $202.1M in total assets and $164.7M in deposits, with 5 offices.

Bank 21 has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 55th. Earnings contributes the most (100/100, 2.72%); funding & liquidity contributes the least (37/100, 110% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.51%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings100/100
Return on assets (annualized): 2.72%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 109.6% · 27.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 79).

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202474
Q4 202477
Q1 202578
Q2 202578
Q3 202574
Q4 202577
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%8.30%11.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.19%
Q3 202410.37%
Q4 202410.74%
Q1 202511.29%
Q2 202511.28%
Q3 202510.87%
Q4 202511.09%
Q1 202611.60%
Q2 202611.51%
Noncurrent loans
0.04%0.16%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.07%
Q4 20240.06%
Q1 20250.06%
Q2 20250.05%
Q3 20250.29%
Q4 20250.04%
Q1 20260.06%
Q2 20260.05%
Return on assets
1.48%2.10%2.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.48%
Q3 20241.78%
Q4 20242.01%
Q1 20251.97%
Q2 20252.40%
Q3 20252.52%
Q4 20252.52%
Q1 20262.71%
Q2 20262.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$202.1M11.51%0.05%2.72%109.6%
Q1 202679$196.1M11.60%0.06%2.71%108.5%
Q4 202577$195.9M11.09%0.04%2.52%109.9%
Q3 202574$196.4M10.87%0.29%2.52%109.8%
Q2 202578$184.0M11.28%0.05%2.40%105.8%
Q1 202578$173.0M11.29%0.06%1.97%105.0%
Q4 202477$172.1M10.74%0.06%2.01%103.3%
Q3 202474$175.4M10.37%0.07%1.78%103.2%
Q2 202471$172.6M10.19%0.14%1.48%97.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.51%
58th
Total risk-based capital13.83%
61st
Problem loans0.05%
79th
Net charge-offs-0.04%
95th
Return on assets2.72%
97th
Net interest margin5.24%
95th
Efficiency ratio47.7%
87th
Loans to deposits109.6%
3rd
Uninsured deposits27.1%
38th
Loan-loss reserves1.28%
61st
Texas ratio4.4%
39th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens-Farmers Bank of Cole CampBank Cole Camp, MO85 out of 100, Very strong$207.0M14.8%1.35%vs
Carroll County Trust Company of Carrollton, MissouriBank Carrollton, MO61 out of 100, Moderate$207.6M9.0%0.61%vs
Adrian BankBank Adrian, MO85 out of 100, Very strong$195.6M12.6%0.52%vs
Bank NorthwestBank Hamilton, MO77 out of 100, Strong$210.3M9.7%0.16%vs
The Corner Stone BankBank South West City, MO67 out of 100, Moderate$211.4M12.2%1.72%vs
1st Advantage BankBank Saint Peters, MO68 out of 100, Moderate$212.0M9.9%0.14%vs

Deposit insurance

Is my money safe at Bank 21?

Yes. Bank 21 is an FDIC-insured institution (FDIC certificate #8560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($44.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.83% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Bank 21 lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank 21
Former names
The Farmers Bank
Type
State-chartered bank
FDIC certificate #
8560
RSSD ID
634544
Primary regulator
FDIC
Holding company
Knott Holding Co Inc
Established
August 12, 1912
Headquarters
1 W Washington St, Carrollton, MO 64633
Employees
33

Quick answers

Bank 21: common questions

Is Bank 21 FDIC insured?

Yes. Bank 21 is an FDIC-insured institution (FDIC certificate #8560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank 21's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank 21 ever failed?

There is no failure record for FDIC certificate #8560 in the FDIC failed bank list.

How many branches does Bank 21 have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carrollton

InstitutionScoreAssetsCapitalProblem loansCompare
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO81 out of 100, Strong$131.4M14.5%0.73%vs
Goppert Financial BankBank Lathrop, MO76 out of 100, Strong$312.0M10.1%0.00%vs
County BankBank Brunswick, MO76 out of 100, Strong$133.7M8.3%0.00%vs
Pony Express BankBank Braymer, MO76 out of 100, Strong$399.5M10.2%0.17%vs
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs