Goppert Financial Bank is a state-chartered bank headquartered in Lathrop, Missouri, in business for about 147 years. At the end of Q2 2026 it reported $312.0M in total assets and $269.3M in deposits, with 5 offices.
Based on its Q2 2026 filing, Goppert Financial Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 69th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (51/100; 10.07%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 3 points (79 → 76), mostly because the earnings component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 81 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.98% |
| Q3 2024 | 10.20% |
| Q4 2024 | 10.37% |
| Q1 2025 | 9.92% |
| Q2 2025 | 10.24% |
| Q3 2025 | 10.46% |
| Q4 2025 | 10.49% |
| Q1 2026 | 10.09% |
| Q2 2026 | 10.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.67% |
| Q3 2024 | 1.61% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $312.0M | 10.07% | 0.00% | 1.30% | 74.5% |
| Q1 2026 | 77 | $310.2M | 10.09% | 0.00% | 1.31% | 72.5% |
| Q4 2025 | 79 | $296.4M | 10.49% | 0.00% | 1.44% | 72.0% |
| Q3 2025 | 80 | $284.9M | 10.46% | 0.00% | 1.49% | 74.4% |
| Q2 2025 | 79 | $281.6M | 10.24% | 0.00% | 1.52% | 70.9% |
| Q1 2025 | 79 | $277.2M | 9.92% | 0.00% | 1.50% | 67.7% |
| Q4 2024 | 81 | $274.3M | 10.37% | 0.00% | 1.63% | 66.5% |
| Q3 2024 | 80 | $264.9M | 10.20% | 0.00% | 1.61% | 69.1% |
| Q2 2024 | 81 | $260.5M | 9.98% | 0.00% | 1.67% | 67.4% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |
| Putnam County State BankBank Unionville, MO | 80 out of 100, Strong | $317.6M | 13.5% | 0.62% | vs |
| Century Bank of the OzarksBank Gainesville, MO | 74 out of 100, Strong | $305.3M | 8.8% | 0.19% | vs |
| St. Johns Bank and Trust CompanyBank Saint Louis, MO | 47 out of 100, Below average | $297.1M | 12.3% | 3.28% | vs |
| O'Bannon Banking CompanyBank Buffalo, MO | 59 out of 100, Moderate | $332.6M | 9.4% | 1.46% | vs |
| Community State Bank of MissouriBank Bowling Green, MO | 80 out of 100, Strong | $333.9M | 11.0% | 0.26% | vs |
Deposit insurance
Is my money safe at Goppert Financial Bank?
Yes. Goppert Financial Bank is an FDIC-insured institution (FDIC certificate #8569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($60.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Goppert Financial Bank lists 5 offices in 5 cities. Most locations:
- Lathrop, MO (1)
- Lawson, MO (1)
- Norborne, MO (1)
- Pleasant Hill, MO (1)
- Richmond, MO (1)
Identity & history
Profile
- Legal name
- Goppert Financial Bank
- Former names
- The Lathrop Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8569
- RSSD ID
- 815053
- Primary regulator
- FDIC
- Holding company
- Goppert Financial Corp
- Established
- September 28, 1879
- Headquarters
- 710 Oak St, Lathrop, MO 64465
- Website
- www.goppertfb.com
- Employees
- 46
Quick answers
Goppert Financial Bank: common questions
Is Goppert Financial Bank FDIC insured?
Yes. Goppert Financial Bank is an FDIC-insured institution (FDIC certificate #8569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Goppert Financial Bank's TellerScore?
76 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 Goppert Financial Bank ever failed?
There is no failure record for FDIC certificate #8569 in the FDIC failed bank list.
How many branches does Goppert Financial Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lathrop
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Nodaway Valley BankBank Maryville, MO | 87 out of 100, Very strong | $1.6B | 11.6% | 0.00% | vs |
| Security Bank of Kansas CityBank Kansas City, KS | 85 out of 100, Very strong | $3.9B | 12.8% | 0.03% | vs |
| Nbkc BankBank Leawood, KS | 82 out of 100, Strong | $1.2B | 17.1% | 1.45% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| Bank NorthwestBank Hamilton, MO | 77 out of 100, Strong | $210.3M | 9.7% | 0.16% | vs |
| Verimore BankBank Brookfield, MO | 76 out of 100, Strong | $639.1M | 10.6% | 0.26% | vs |