TellerScore

Silex Banking Company is a state-chartered bank headquartered in Silex, Missouri, in business for about 92 years. At the end of Q2 2026 it reported $98.2M in total assets and $84.4M in deposits, with 1 office.

Silex Banking Company has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 546 banks with under $100 million in assets. Among 194 banks headquartered in Missouri, it ranks 46th. Capital cushion contributes the most (97/100, 14.67%); earnings contributes the least (62/100, 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.67%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.91%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 72.8% · 15.8% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.96%

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 2 points (83 → 81), mostly because the loan quality component weakened by 30 points.

TellerScore
818690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202490
Q4 202488
Q1 202582
Q2 202583
Q3 202587
Q4 202583
Q1 202689
Q2 202681
Tier 1 leverage ratio
5.00%10.00%15.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.64%
Q3 202414.49%
Q4 202414.21%
Q1 202514.31%
Q2 202514.32%
Q3 202514.76%
Q4 202513.19%
Q1 202615.00%
Q2 202614.67%
Noncurrent loans
0.00%0.45%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.91%
Return on assets
0.15%0.60%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.95%
Q4 20240.86%
Q1 20250.15%
Q2 20250.37%
Q3 20250.81%
Q4 20250.93%
Q1 20260.98%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$98.2M14.67%0.91%1.05%72.8%
Q1 202689$97.1M15.00%0.00%0.98%74.9%
Q4 202583$92.4M13.19%0.00%0.93%78.2%
Q3 202587$93.3M14.76%0.00%0.81%75.2%
Q2 202583$93.7M14.32%0.00%0.37%73.7%
Q1 202582$94.3M14.31%0.00%0.15%68.1%
Q4 202488$93.4M14.21%0.01%0.86%66.4%
Q3 202490$94.0M14.49%0.00%0.95%63.7%
Q2 202489$94.2M14.64%0.00%0.85%61.3%

546 peers · Under $100 million in assets

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 ratio14.67%
67th
Total risk-based capital0.00%
27th
Problem loans0.91%
37th
Net charge-offs0.00%
58th
Return on assets1.05%
53rd
Net interest margin3.65%
37th
Efficiency ratio66.9%
59th
Loans to deposits72.8%
41st
Uninsured deposits15.8%
51st
Loan-loss reserves0.89%
23rd
Texas ratio4.0%
39th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Investors Community BankBank Chillicothe, MO68 out of 100, Moderate$98.5M11.1%0.62%vs
United Security BankBank Fulton, MO85 out of 100, Very strong$97.2M13.4%0.00%vs
Community Bank of MissouriBank Richmond, MO74 out of 100, Strong$94.1M13.9%1.98%vs
Flat Branch BankBank Richmond, MO71 out of 100, Strong$92.8M12.6%0.00%vs
Paramount BankBank Hazelwood, MO55 out of 100, Moderate$86.6M10.9%0.55%vs
Peoples Bank of Moniteau CountyBank Jamestown, MO75 out of 100, Strong$83.2M11.1%0.72%vs

Deposit insurance

Is my money safe at Silex Banking Company?

Yes. Silex Banking Company is an FDIC-insured institution (FDIC certificate #14178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.8% of deposits ($13.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.67%, 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

1 location

Branches

Silex Banking Company lists 1 office in 1 city. Most locations:

  • Silex, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Silex Banking Company
Type
State-chartered bank
FDIC certificate #
14178
RSSD ID
552956
Primary regulator
FDIC
Holding company
Silex Bancshares Inc
Established
March 24, 1934
Headquarters
1159 Highway E, Silex, MO 63377
Employees
12

Quick answers

Silex Banking Company: common questions

Is Silex Banking Company FDIC insured?

Yes. Silex Banking Company is an FDIC-insured institution (FDIC certificate #14178). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Silex Banking Company's TellerScore?

81 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 Silex Banking Company ever failed?

There is no failure record for FDIC certificate #14178 in the FDIC failed bank list.

How many branches does Silex Banking Company have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Silex

InstitutionScoreAssetsCapitalProblem loansCompare
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs
The Bank of Old MonroeBank Old Monroe, MO81 out of 100, Strong$994.6M10.5%0.00%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
Jonesburg State BankBank Jonesburg, MO81 out of 100, Strong$145.6M9.9%0.00%vs
Community State Bank of MissouriBank Bowling Green, MO80 out of 100, Strong$333.9M11.0%0.26%vs
HomeBankBank Palmyra, MO74 out of 100, Strong$733.3M9.6%0.29%vs