TellerScore

TPNB Bank (FDIC certificate #4556) is based in Paris, Missouri. Its Q2 2026 call report shows $112.0M in total assets and $94.1M in deposits and 2 offices.

Based on its Q2 2026 filing, TPNB Bank scores 89/100, which we describe as very strong. That is higher than 94% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 12th. Its strongest component is capital cushion (100/100; 15.15%), and its lowest is earnings (57/100; 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.15%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 69.7% · 18.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (84 → 89), mostly because the capital cushion component improved by 18 points.

TellerScore
798489Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202484
Q4 202486
Q1 202587
Q2 202584
Q3 202589
Q4 202587
Q1 202687
Q2 202689
Tier 1 leverage ratio
5.00%10.08%15.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.07%
Q3 202415.08%
Q4 202414.90%
Q1 202514.70%
Q2 202513.19%
Q3 202515.01%
Q4 202515.06%
Q1 202614.67%
Q2 202615.15%
Noncurrent loans
0.00%0.39%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.77%
Q3 20240.12%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.42%0.67%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.43%
Q4 20240.50%
Q1 20250.75%
Q2 20250.80%
Q3 20250.82%
Q4 20250.78%
Q1 20260.83%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$112.0M15.15%0.00%0.92%69.7%
Q1 202687$115.9M14.67%0.00%0.83%72.4%
Q4 202587$117.7M15.06%0.00%0.78%68.2%
Q3 202589$109.4M15.01%0.00%0.82%70.4%
Q2 202584$110.2M13.19%0.00%0.80%69.5%
Q1 202587$110.1M14.70%0.00%0.75%71.2%
Q4 202486$111.1M14.90%0.00%0.50%65.4%
Q3 202484$104.9M15.08%0.12%0.43%72.8%
Q2 202479$103.6M15.07%0.77%0.42%69.2%

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 ratio15.15%
87th
Total risk-based capital19.27%
85th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.92%
30th
Net interest margin3.56%
30th
Efficiency ratio63.4%
47th
Loans to deposits69.7%
70th
Uninsured deposits18.4%
70th
Loan-loss reserves1.24%
56th
Texas ratio0.0%
95th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
Neighbors BankBank Clarence, MO47 out of 100, Below average$115.6M11.1%1.38%vs
Bank of New MadridBank New Madrid, MO92 out of 100, Very strong$116.6M14.1%0.04%vs
Citizens Bank & TrustBank Rock Port, MO85 out of 100, Very strong$107.3M12.5%0.08%vs
Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO76 out of 100, Strong$116.7M11.1%0.00%vs
The Citizens Bank of EdinaBank Edina, MO81 out of 100, Strong$106.7M14.5%1.45%vs

Deposit insurance

Is my money safe at TPNB Bank?

Yes. TPNB Bank is an FDIC-insured institution (FDIC certificate #4556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.4% of deposits ($17.4M) 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 15.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.27% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

TPNB Bank lists 2 offices in 2 cities. Most locations:

  • Paris, MO (1)
  • Shelbina, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
TPNB Bank
Former names
The Paris National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
4556
RSSD ID
1007051
Primary regulator
FED
Holding company
Paris Bancshares Inc
Established
October 1, 1865
Headquarters
118 N Main St, Paris, MO 65275
Employees
15

Quick answers

TPNB Bank: common questions

Is TPNB Bank FDIC insured?

Yes. TPNB Bank is an FDIC-insured institution (FDIC certificate #4556). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TPNB Bank's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has TPNB Bank ever failed?

There is no failure record for FDIC certificate #4556 in the FDIC failed bank list.

How many branches does TPNB Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Paris

InstitutionScoreAssetsCapitalProblem loansCompare
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs
Regional Missouri BankBank Marceline, MO84 out of 100, Strong$597.4M11.6%0.07%vs
Community State BankBank Shelbina, MO83 out of 100, Strong$132.8M12.0%0.10%vs
Show-Me Credit UnionCredit union Mexico, MO83 out of 100, Strong$43.7M13.2%0.68%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
United State BankBank Lewistown, MO80 out of 100, Strong$290.1M10.5%0.07%vs