TellerScore

The Hamilton Bank is a state-chartered bank headquartered in Hamilton, Missouri, in business for about 88 years. At the end of Q2 2026 it reported $119.8M in total assets and $112.9M in deposits, with 3 offices.

Based on its Q2 2026 filing, The Hamilton Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 86th. Its strongest component is funding & liquidity (96/100; 45% loans-to-deposits, 19% uninsured), and its lowest is capital cushion (43/100; 9.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity96/100
Loans ÷ deposits and uninsured-deposit share: 45.5% · 18.8% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.55%

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 6 points (68 → 74), mostly because the loan quality component improved by 27 points.

TellerScore
627077Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202469
Q4 202472
Q1 202577
Q2 202568
Q3 202563
Q4 202562
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.64%10.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.23%
Q3 202410.28%
Q4 202410.02%
Q1 20259.85%
Q2 20259.81%
Q3 20259.74%
Q4 202510.08%
Q1 20269.81%
Q2 20269.29%
Noncurrent loans
0.37%1.13%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.89%
Q3 20241.05%
Q4 20240.62%
Q1 20250.37%
Q2 20251.28%
Q3 20251.74%
Q4 20251.88%
Q1 20260.51%
Q2 20260.47%
Return on assets
1.23%1.44%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.23%
Q4 20241.35%
Q1 20251.58%
Q2 20251.65%
Q3 20251.58%
Q4 20251.51%
Q1 20261.38%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$119.8M9.29%0.47%1.54%45.5%
Q1 202674$120.1M9.81%0.51%1.38%45.2%
Q4 202562$112.3M10.08%1.88%1.51%49.5%
Q3 202563$111.1M9.74%1.74%1.58%51.6%
Q2 202568$110.9M9.81%1.28%1.65%50.6%
Q1 202577$111.0M9.85%0.37%1.58%49.8%
Q4 202472$109.2M10.02%0.62%1.35%52.2%
Q3 202469$101.0M10.28%1.05%1.23%53.8%
Q2 202470$103.1M10.23%0.89%1.32%51.4%

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 ratio9.29%
17th
Total risk-based capital17.63%
80th
Problem loans0.47%
47th
Net charge-offs-0.06%
97th
Return on assets1.54%
68th
Net interest margin3.66%
35th
Efficiency ratio58.1%
63rd
Loans to deposits45.5%
94th
Uninsured deposits18.8%
69th
Loan-loss reserves0.55%
4th
Texas ratio3.5%
44th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Kennett Trust BankBank Kennett, MO49 out of 100, Below average$122.1M11.4%2.65%vs
The First National Bank of Nevada, MissouriBank Nevada, MO82 out of 100, Strong$122.2M16.1%0.95%vs
Metz Banking CompanyBank Nevada, MO85 out of 100, Very strong$117.3M11.6%0.00%vs
Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO76 out of 100, Strong$116.7M11.1%0.00%vs
Bank of New MadridBank New Madrid, MO92 out of 100, Very strong$116.6M14.1%0.04%vs
Neighbors BankBank Clarence, MO47 out of 100, Below average$115.6M11.1%1.38%vs

Deposit insurance

Is my money safe at The Hamilton Bank?

Yes. The Hamilton Bank is an FDIC-insured institution (FDIC certificate #15606). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.8% of deposits ($21.2M) 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 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.63% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The Hamilton Bank lists 3 offices in 3 cities. Most locations:

  • Breckenridge, MO (1)
  • Hamilton, MO (1)
  • Lathrop, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Hamilton Bank reported 32 home-loan applications under HMDA (LEI 2549001ZKSRACE7NQQ84): 24 originated ($3,290,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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 Hamilton Bank
Type
State-chartered bank
FDIC certificate #
15606
RSSD ID
723550
Primary regulator
FDIC
Holding company
Prism Group Inc
Established
June 11, 1938
Headquarters
111 N Davis St, Hamilton, MO 64644
Employees
15

Quick answers

The Hamilton Bank: common questions

Is The Hamilton Bank FDIC insured?

Yes. The Hamilton Bank is an FDIC-insured institution (FDIC certificate #15606). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Hamilton Bank's TellerScore?

74 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 The Hamilton Bank ever failed?

There is no failure record for FDIC certificate #15606 in the FDIC failed bank list.

How many branches does The Hamilton Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hamilton

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank of Northern MissouriBank Unionville, MO83 out of 100, Strong$566.5M12.7%0.26%vs
Bank NorthwestBank Hamilton, MO77 out of 100, Strong$210.3M9.7%0.16%vs
Pony Express BankBank Braymer, MO76 out of 100, Strong$399.5M10.2%0.17%vs
Goppert Financial BankBank Lathrop, MO76 out of 100, Strong$312.0M10.1%0.00%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
Independent Farmers BankBank Maysville, MO71 out of 100, Strong$146.5M10.5%0.66%vs