TellerScore

Regional Missouri Bank (FDIC certificate #18385) is based in Marceline, Missouri. Its Q2 2026 call report shows $597.4M in total assets and $500.7M in deposits and 11 offices.

Regional Missouri Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 26th. Earnings contributes the most (100/100, 2.26%); funding & liquidity contributes the least (65/100, 93% loans-to-deposits, 18% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.61%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 92.5% · 17.6% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.48%

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 5 points (79 → 84), mostly because the earnings component improved by 16 points.

TellerScore
778184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202479
Q1 202578
Q2 202579
Q3 202581
Q4 202579
Q1 202682
Q2 202684
Tier 1 leverage ratio
5.00%8.31%11.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.10%
Q3 202411.03%
Q4 202410.85%
Q1 202510.70%
Q2 202510.81%
Q3 202511.27%
Q4 202511.06%
Q1 202611.16%
Q2 202611.61%
Noncurrent loans
0.03%0.06%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.08%
Q4 20240.07%
Q1 20250.09%
Q2 20250.04%
Q3 20250.03%
Q4 20250.06%
Q1 20260.08%
Q2 20260.07%
Return on assets
1.41%1.84%2.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.47%
Q4 20241.67%
Q1 20251.60%
Q2 20251.61%
Q3 20251.67%
Q4 20251.59%
Q1 20261.97%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$597.4M11.61%0.07%2.26%92.5%
Q1 202682$583.6M11.16%0.08%1.97%92.7%
Q4 202579$574.0M11.06%0.06%1.59%90.7%
Q3 202581$562.1M11.27%0.03%1.67%95.2%
Q2 202579$563.5M10.81%0.04%1.61%90.3%
Q1 202578$570.3M10.70%0.09%1.60%91.2%
Q4 202479$564.8M10.85%0.07%1.67%91.9%
Q3 202477$534.6M11.03%0.08%1.47%96.9%
Q2 202479$515.1M11.10%0.04%1.41%87.8%

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 ratio11.61%
60th
Total risk-based capital0.00%
24th
Problem loans0.07%
76th
Net charge-offs0.00%
57th
Return on assets2.26%
92nd
Net interest margin4.44%
77th
Efficiency ratio52.2%
79th
Loans to deposits92.5%
21st
Uninsured deposits17.6%
73rd
Loan-loss reserves1.04%
31st
Texas ratio0.5%
77th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
United Bank of UnionBank Union, MO48 out of 100, Below average$577.5M9.6%2.36%vs
Phelps County BankBank Rolla, MO61 out of 100, Moderate$621.7M8.9%1.16%vs
Table Rock Community BankBank Kimberling City, MO65 out of 100, Moderate$568.9M8.3%0.24%vs
Farmers Bank of Northern MissouriBank Unionville, MO83 out of 100, Strong$566.5M12.7%0.26%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs

Deposit insurance

Is my money safe at Regional Missouri Bank?

Yes. Regional Missouri Bank is an FDIC-insured institution (FDIC certificate #18385). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($87.9M) 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 11.61%, 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%).

Check how much of your own balance is covered

11 locations

Branches

Regional Missouri Bank lists 11 offices in 9 cities. Most locations:

  • Marceline, MO (2)
  • Moberly, MO (2)
  • Bevier, MO (1)
  • Brookfield, MO (1)
  • Glasgow, MO (1)
  • Keytesville, MO (1)
  • New Cambria, MO (1)
  • Paris, MO (1)
  • Salisbury, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Regional Missouri Bank reported 243 home-loan applications under HMDA (LEI 254900RZAKWEVNKBVY93): 192 originated ($41,220,000 total), 22 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, 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
Regional Missouri Bank
Former names
Bank of Bynumville
Type
State-chartered bank
FDIC certificate #
18385
RSSD ID
579140
Primary regulator
FDIC
Holding company
Rmb Bancshares Inc
Established
May 13, 1908
Headquarters
1201 S Missouri Ave, Marceline, MO 64658
Employees
105

Quick answers

Regional Missouri Bank: common questions

Is Regional Missouri Bank FDIC insured?

Yes. Regional Missouri Bank is an FDIC-insured institution (FDIC certificate #18385). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Regional Missouri Bank's TellerScore?

84 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 Regional Missouri Bank ever failed?

There is no failure record for FDIC certificate #18385 in the FDIC failed bank list.

How many branches does Regional Missouri Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Marceline

InstitutionScoreAssetsCapitalProblem loansCompare
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
Preferred BankBank Rothville, MO69 out of 100, Moderate$134.5M7.6%0.18%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs