Headquartered in Fulton, Missouri, The Callaway Bank is a state-chartered bank (fed member) with $511.5M in total assets and $429.6M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1857.
Based on its Q2 2026 filing, The Callaway Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 127th. Its strongest component is problem-loan coverage (89/100; 5.4%), and its lowest is capital cushion (51/100; 10.12%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 64 |
| Q4 2024 | 59 |
| Q1 2025 | 62 |
| Q2 2025 | 66 |
| Q3 2025 | 62 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.45% |
| Q3 2024 | 9.48% |
| Q4 2024 | 9.07% |
| Q1 2025 | 9.34% |
| Q2 2025 | 9.65% |
| Q3 2025 | 9.69% |
| Q4 2025 | 9.79% |
| Q1 2026 | 9.81% |
| Q2 2026 | 10.12% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.94% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $511.5M | 10.12% | 0.78% | 1.37% | 87.8% |
| Q1 2026 | 65 | $539.8M | 9.81% | 0.84% | 1.25% | 82.2% |
| Q4 2025 | 64 | $497.5M | 9.79% | 0.76% | 1.01% | 91.1% |
| Q3 2025 | 62 | $507.7M | 9.69% | 0.94% | 1.08% | 91.7% |
| Q2 2025 | 66 | $498.8M | 9.65% | 0.51% | 1.11% | 91.9% |
| Q1 2025 | 62 | $493.7M | 9.34% | 0.65% | 0.97% | 91.9% |
| Q4 2024 | 59 | $499.1M | 9.07% | 0.78% | 0.75% | 88.0% |
| Q3 2024 | 64 | $496.7M | 9.48% | 0.32% | 0.71% | 91.2% |
| Q2 2024 | 63 | $480.2M | 9.45% | 0.35% | 0.74% | 94.7% |
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 |
|---|---|---|---|---|---|
| The Bank of AdvanceBank Advance, MO | 81 out of 100, Strong | $509.9M | 13.0% | 0.75% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |
| UNICO BankBank Mineral Point, MO | 47 out of 100, Below average | $502.6M | 8.9% | 2.55% | vs |
| People's Bank of SenecaBank Seneca, MO | 65 out of 100, Moderate | $495.5M | 10.1% | 1.01% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |
| F & C BankBank Holden, MO | 78 out of 100, Strong | $481.0M | 11.0% | 0.38% | vs |
Deposit insurance
Is my money safe at The Callaway Bank?
Yes. The Callaway Bank is an FDIC-insured institution (FDIC certificate #12223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.6% of deposits ($101.5M) 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 10.12%, 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%).
6 locations
Branches
The Callaway Bank lists 6 offices in 4 cities. Most locations:
- Columbia, MO (2)
- Fulton, MO (2)
- Ashland, MO (1)
- Mokane, MO (1)
HMDA 2025
Mortgage lending
In 2025, The Callaway Bank reported 165 home-loan applications under HMDA (LEI 254900H0KR1EP2IS0Y73): 138 originated ($33,670,000 total), 3 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.1%, 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
- The Callaway Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12223
- RSSD ID
- 719656
- Primary regulator
- FED
- Holding company
- Callaway Security Banks Inc
- Established
- January 1, 1857
- Headquarters
- 5 E 5th St, Fulton, MO 65251
- Website
- www.callawaybank.com
- Employees
- 107
Quick answers
The Callaway Bank: common questions
Is The Callaway Bank FDIC insured?
Yes. The Callaway Bank is an FDIC-insured institution (FDIC certificate #12223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Callaway Bank's TellerScore?
67 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 Callaway Bank ever failed?
There is no failure record for FDIC certificate #12223 in the FDIC failed bank list.
How many branches does The Callaway Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fulton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| Farmers Bank of Lohman, MissouriBank Jefferson City, MO | 93 out of 100, Very strong | $82.9M | 17.1% | 0.02% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| United Security BankBank Fulton, MO | 85 out of 100, Very strong | $97.2M | 13.4% | 0.00% | vs |