TellerScore

Preferred Bank (FDIC certificate #10628) is based in Rothville, Missouri. Its Q2 2026 call report shows $134.5M in total assets and $126.2M in deposits and 5 offices.

Preferred Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 117th. Problem-loan coverage contributes the most (97/100, 1.7%); capital cushion contributes the least (26/100, 7.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion26/100
Tier 1 leverage ratio: 7.56%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 49.1% · 21.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.73%

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 rose 2 points (67 → 69), mostly because the earnings component improved by 9 points.

TellerScore
606672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202468
Q1 202565
Q2 202567
Q3 202572
Q4 202562
Q1 202660
Q2 202669
Tier 1 leverage ratio
5.00%6.56%8.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.68%
Q3 20247.59%
Q4 20247.65%
Q1 20257.55%
Q2 20257.52%
Q3 20258.11%
Q4 20258.07%
Q1 20267.66%
Q2 20267.56%
Noncurrent loans
0.00%0.54%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.03%
Q4 20240.02%
Q1 20250.26%
Q2 20250.10%
Q3 20250.00%
Q4 20250.99%
Q1 20261.08%
Q2 20260.18%
Return on assets
0.91%1.08%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20240.96%
Q4 20240.91%
Q1 20250.94%
Q2 20251.03%
Q3 20251.15%
Q4 20251.12%
Q1 20261.24%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$134.5M7.56%0.18%1.24%49.1%
Q1 202660$138.1M7.66%1.08%1.24%47.1%
Q4 202562$130.8M8.07%0.99%1.12%50.9%
Q3 202572$131.0M8.11%0.00%1.15%48.7%
Q2 202567$133.1M7.52%0.10%1.03%44.8%
Q1 202565$137.8M7.55%0.26%0.94%41.8%
Q4 202468$132.4M7.65%0.02%0.91%42.7%
Q3 202468$138.7M7.59%0.03%0.96%40.7%
Q2 202468$136.3M7.68%0.00%0.91%38.4%

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).

Capital ratio7.56%
1st
Total risk-based capital18.62%
83rd
Problem loans0.18%
67th
Net charge-offs0.02%
42nd
Return on assets1.24%
50th
Net interest margin3.60%
33rd
Efficiency ratio67.0%
37th
Loans to deposits49.1%
92nd
Uninsured deposits21.6%
58th
Loan-loss reserves0.82%
12th
Texas ratio1.7%
61st

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of MissouriBank Concordia, MO55 out of 100, Moderate$134.3M8.9%1.80%vs
Chillicothe State BankBank Chillicothe, MO64 out of 100, Moderate$135.2M7.9%0.72%vs
County BankBank Brunswick, MO76 out of 100, Strong$133.7M8.3%0.00%vs
Community Bank of Pleasant HillBank Pleasant Hill, MO76 out of 100, Strong$133.4M10.4%0.00%vs
Community State BankBank Shelbina, MO83 out of 100, Strong$132.8M12.0%0.10%vs
Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO81 out of 100, Strong$131.4M14.5%0.73%vs

Deposit insurance

Is my money safe at Preferred Bank?

Yes. Preferred Bank is an FDIC-insured institution (FDIC certificate #10628). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.6% of deposits ($27.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.62% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Preferred Bank lists 5 offices in 5 cities. Most locations:

  • Brookfield, MO (1)
  • Lee'S Summit, MO (1)
  • Marceline, MO (1)
  • Napoleon, MO (1)
  • Rothville, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Preferred Bank reported 39 home-loan applications under HMDA (LEI 254900RVMJYWIGVSVC74): 38 originated ($11,120,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Preferred Bank
Former names
Bank of Rothville
Type
State-chartered bank
FDIC certificate #
10628
RSSD ID
252452
Primary regulator
FDIC
Holding company
Bor Bcorp
Established
January 8, 1904
Headquarters
205 Main St, Rothville, MO 64676
Employees
24

Quick answers

Preferred Bank: common questions

Is Preferred Bank FDIC insured?

Yes. Preferred Bank is an FDIC-insured institution (FDIC certificate #10628). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Preferred Bank's TellerScore?

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

Has Preferred Bank ever failed?

There is no failure record for FDIC certificate #10628 in the FDIC failed bank list.

How many branches does Preferred Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rothville

InstitutionScoreAssetsCapitalProblem loansCompare
Regional Missouri BankBank Marceline, MO84 out of 100, Strong$597.4M11.6%0.07%vs
Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO76 out of 100, Strong$116.7M11.1%0.00%vs
Verimore BankBank Brookfield, MO76 out of 100, Strong$639.1M10.6%0.26%vs
County BankBank Brunswick, MO76 out of 100, Strong$133.7M8.3%0.00%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs