TellerScore

The Bank of Missouri is a state-chartered bank headquartered in Perryville, Missouri, in business for about 135 years. At the end of Q2 2026 it reported $4.2B in total assets and $3.6B in deposits, with 32 offices.

The Bank of Missouri has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 169th. Problem-loan coverage contributes the most (81/100, 9.4%); capital cushion contributes the least (46/100, 9.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.63%
Loan quality49/100
Noncurrent loans ÷ total loans: 1.53%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 88.2% · 25.3% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.40%

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 24 points (79 → 55), mostly because the loan quality component weakened by 44 points.

TellerScore
556779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202465
Q1 202566
Q2 202579
Q3 202578
Q4 202574
Q1 202669
Q2 202655
Tier 1 leverage ratio
5.00%7.82%10.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.77%
Q3 20249.53%
Q4 20249.52%
Q1 20259.58%
Q2 202510.59%
Q3 202510.65%
Q4 202510.58%
Q1 202610.53%
Q2 20269.63%
Noncurrent loans
0.21%0.87%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.22%
Q4 20240.22%
Q1 20250.21%
Q2 20250.22%
Q3 20250.32%
Q4 20250.35%
Q1 20260.25%
Q2 20261.53%
Return on assets
0.57%1.56%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.57%
Q4 20240.59%
Q1 20250.57%
Q2 20252.55%
Q3 20252.02%
Q4 20251.65%
Q1 20260.85%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$4.2B9.63%1.53%0.93%88.2%
Q1 202669$4.2B10.53%0.25%0.85%86.6%
Q4 202574$3.0B10.58%0.35%1.65%85.4%
Q3 202578$3.1B10.65%0.32%2.02%86.0%
Q2 202579$3.1B10.59%0.22%2.55%84.2%
Q1 202566$3.0B9.58%0.21%0.57%82.2%
Q4 202465$3.1B9.52%0.22%0.59%79.9%
Q3 202465$3.0B9.53%0.22%0.57%82.3%
Q2 202467$3.1B9.77%0.21%0.61%81.2%

897 peers · $1 billion – $10 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 ratio9.63%
26th
Total risk-based capital11.06%
26th
Problem loans1.53%
15th
Net charge-offs0.84%
5th
Return on assets0.93%
26th
Net interest margin3.37%
29th
Efficiency ratio74.5%
14th
Loans to deposits88.2%
47th
Uninsured deposits25.3%
69th
Loan-loss reserves0.65%
9th
Texas ratio9.4%
19th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Oakstar BankBank Springfield, MO69 out of 100, Moderate$3.3B9.8%0.48%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs
Midwest BankCentreBank Lemay, MO69 out of 100, Moderate$3.1B12.1%1.07%vs

Deposit insurance

Is my money safe at The Bank of Missouri?

Yes. The Bank of Missouri is an FDIC-insured institution (FDIC certificate #1617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($906.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.06% (benchmark: 10%).

Check how much of your own balance is covered

32 locations

Branches

The Bank of Missouri lists 29 offices in 23 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Bank of Missouri reported 1,162 home-loan applications under HMDA (LEI 549300JE6M4A1G4LPS75): 833 originated ($197,555,000 total), 159 denied, and 166 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.0%, 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
The Bank of Missouri
Former names
Bank of Perryville
Type
State-chartered bank
FDIC certificate #
1617
RSSD ID
330855
Primary regulator
FDIC
Holding company
Reliable Cmty Bancshares Inc
Established
November 7, 1891
Headquarters
916 N Kings Hwy, Perryville, MO 63775
Employees
573

Quick answers

The Bank of Missouri: common questions

Is The Bank of Missouri FDIC insured?

Yes. The Bank of Missouri is an FDIC-insured institution (FDIC certificate #1617). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank of Missouri's TellerScore?

55 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 The Bank of Missouri ever failed?

There is no failure record for FDIC certificate #1617 in the FDIC failed bank list.

How many branches does The Bank of Missouri have?

32 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Perryville

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank of SteelevilleBank Steeleville, IL90 out of 100, Very strong$274.5M13.5%0.44%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
Buena Vista National BankBank Chester, IL77 out of 100, Strong$344.0M11.1%0.36%vs
First State Bank of Campbell HillBank Campbell Hill, IL76 out of 100, Strong$160.1M13.8%1.59%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Bloomsdale BankBank Bloomsdale, MO73 out of 100, Strong$390.2M8.9%0.30%vs