The catalogue › United States › Plains › Missouri
The state note · prepared 7 September 2026

Missouri

194 banks and 89 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

194 banks filing · read from the 30 June 2026 Call Report
194
banks filing
$303B in assets
+6.7%
Loans, year over year
median; 61 above 10%, 31 shrinking
20.5%
CRE / loans
median
85.7%
Loans / deposits
median
0.47%
NPA / loans
median
10.5%
Equity / assets
median

Missouri's 194 banks hold $303B in assets at 30 June 2026. UMB Bank National Association is the largest at $71.9B, and the five largest hold 54% of the total; 36 institutions are above $1B, holding $251B.

Loans grew a median +6.7% in the year to 30 June 2026: 61 institutions grew faster than 10% and 31 shrank. The median bank lends 86% of its deposits and holds commercial real estate at 20.5% of loans. Nonperforming loans sit at a median 0.47% of the book, return on assets at 1.39%, and equity at 10.5% of assets.

21 of the 194 are in the catalogue, each read from its own filing beside the banks its size in the state: UMB Bank National Association, Commerce Bank, Central Trust Bank, Stifel Bank & Trust, Enterprise Bank & Trust, Stifel Bank, First Bank, Great Southern Bank, Southern Bank, First State Community Bank, Lead Bank, Guaranty Bank, Omb Bank, Bank of Old Monroe, First Federal Bank of Kansas County, Midwest Regional Bank, American Bank of Freedom, Mid-missouri Bank, Lindell Bank & Trust Co., Stifel Trust Co. N.A., Peoples Bank & Trust Co..

Who holds the state's assetseach institution's share of the $303B the state's 194 hold; the largest first, amber in the catalogue
UMB Bank National Association: 23.7%UB24%Commerce Bank: 11.6%CB12%Central Trust Bank: 6.7%CTStifel Bank & Trust: 6.5%SBEnterprise Bank & Trust: 5.7%EBStifel Bank: 4.8%SBFirst Bank: 2.2%Great Southern Bank: 1.8%Southern Bank: 1.7%First State Community Bank: 1.5%184 others 34%UBUMB Bank National Ass…23.7%CBCommerce Bank11.6%CTCentral Trust Bank6.7%SBStifel Bank & Trust6.5%EBEnterprise Bank & Tru…5.7%SBStifel Bank4.8%FBFirst Bank2.2%GSGreat Southern Bank1.8%SBSouthern Bank1.7%FSFirst State Community…1.5%

UMB Bank National Association holds 23.7% of the state's bank assets; the five largest hold 54%, and 36 of the 194 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestUMB Bank National Associa…: 24% of the totalThe five largest54% of the totalThe ten largest66% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 54% of the assets in 3% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
Commercial & industrial21.2%$42.8B1-4 family residential, closed-end21.0%$42.4BNonfarm nonresidential, non-owner-occupied13.7%$27.7BNonfarm nonresidential, owner-occupied10.5%$21.3BOther loans and leases8.6%$17.4BConstruction & land8.0%$16.1BMultifamily4.6%$9.4BFarmland4.4%$8.9BHome equity lines2.3%$4.6BConsumer, other1.8%$3.6BAgricultural production1.7%$3.5BAuto0.9%$1.9BStates & municipalities0.8%$1.5BCredit card0.7%$1.4B

Commercial & industrial is the largest category at 21.2% of the state's $203B in loans, then 1-4 family residential, closed-end at 21.0% and Nonfarm nonresidential, non-owner-occupied at 13.7%.

Loans, year over yearMissouri banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 192 · amber, in the catalogue
state median +6.7% FS Four States Bank +116.7% AB Arlo Bank +86.0% FB Flat Branch Bank +56.2% Bo Bank of Missouri +48.0% BB BTC Bank +37.5% HN HNB National Bank +36.6% TR Table Rock Community Bank +34.5% TB Tbo Bank +34.2% SB Stifel Bank +32.2% VB Verimore Bank +31.4% LB Lead Bank +26.7% PB Peoples Bank Co. +26.7% CB County Bank +24.6% GM Grand Missouri Bank +21.7% CP Community Point Bank +21.7% Bo Bank of Old Monroe +21.1% FB First Bank of the Lake +20.7% SC Sherwood Community Bank +20.6% PS Peoples Savings Bank of Rhineland +20.2% FB Freedom Bank of Southern Missouri +18.5% WP West Plains Bank & Trust Co. +18.3% OB Omb Bank +18.3% NF New Frontier Bank +18.2% CB Commerce Bank +17.9% AB Alton Bank +17.8%

Four States Bank grew fastest at +116.7%; 61 grew faster than 10% and 31 shrank, Midwest Regional Bank the most at -16.8%. The median is +6.7%.

Commercial real estate, share of loansMissouri banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 192 · amber, in the catalogue
state median 20.5% LB Legacy Bank & Trust Co. 69.9% GS Great Southern Bank 69.4% GB Guaranty Bank 65.8% AB American Bank of Freedom 57.7% RB Royal Banks of Missouri 53.7% CB Citizens Bank 50.2% MR Midwest Regional Bank 47.6% MB Midwest Bankcentre 46.8% AB Academy Bank National Association 46.1% BR Blue Ridge Bank & Trust Co. 46.0% B Bank 21 45.5% MB Missouri Bank 45.3% SJ ST Johns Bank & Trust Co. 43.0% Bo Bank of Old Monroe 42.9% TB Triad Bank 42.2% SL ST Louis Bank 41.3% HB Hawthorn Bank 41.1% sA 1st Advantage Bank 40.8% CB Central Bank of Kansas City 39.9% FM Farmers & Merchants Bank ST Clai 39.7% TB Tbo Bank 39.4% MB MRV Banks 39.3% Bo Bank of Washington 39.1% SB Southern Bank 38.8% Bo Bank of Weston 38.7%

Legacy Bank & Trust Co. is the most CRE-weighted at 69.9% of loans; 18 of the 194 are above 40%, against a median of 20.5%.

Commercial real estate against capital, the 300% screenMissouri banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 194 · amber, in the catalogue
state median 116% 300% screen LB Legacy Bank & Trust Co. 483% GS Great Southern Bank 441% GB Guaranty Bank 386% AB American Bank of Freedom 381% RB Royal Banks of Missouri 372% MR Midwest Regional Bank 336% SL ST Louis Bank 336% B Bank 21 335% sA 1st Advantage Bank 333% SB Sullivan Bank 324% CS CNB ST Louis Bank 321% CB Connections Bank 320% NF New Frontier Bank 317% BR Blue Ridge Bank & Trust Co. 316% UB United Bank of Union 315% OB Oakstar Bank 315% CB Citizens Bank 304% AC Americas Community Bank 302% OB Omb Bank 298% Bo Bank of Weston 298% PB Peoples Bank of Seneca 296% SB Southern Bank 288% MB Midwest Bankcentre 287% BS Bank Star 285% MB MRV Banks 284%

18 of the 194 banks sit above the 300% screen, Legacy Bank & Trust Co. the highest at 483% of capital; the median is 116%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenMissouri banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 194 · amber, in the catalogue
state median 43% 100% screen Bo Bank of Old Monroe 216% LB Legacy Bank & Trust Co. 212% AC Americas Community Bank 193% B Bank 21 170% Bo Bank of Billings 166% SB Sullivan Bank 166% MR Midwest Regional Bank 149% AB American Bank of Freedom 146% PB Peoples Bank of Seneca 136% HC Heritage Community Bank 133% PE Pony Express Bank 122% HB Heritage Bank of the Ozarks 122% CB Connections Bank 118% UB United Bank of Union 117% MA Mid America Bank 116% TR Table Rock Community Bank 114% SB Sterling Bank 112% BR Blue Ridge Bank & Trust Co. 112% FC F & C Bank 112% SB State Bank of Southwest Missouri 111% GB Guaranty Bank 111% Bo Bank of Franklin County 110% CB Citizens Bank 109% SC Sherwood Community Bank 105% PC Phelps County Bank 97%

24 of the 194 banks sit above the 100% construction screen, Bank of Old Monroe the highest at 216%; the median is 43%.

Loans to depositsMissouri banks, 30 June 2026 · listed highest first · the 25 highest of 194 · amber, in the catalogue
state median 86% Bo Bank of Versailles 124% NA North American Savings Bank FSB 118% Bo Bank of Washington 116% AC Americas Community Bank 114% FF First Federal Bank of Kansas Coun… 111% B Bank 21 111% NB Neighbors Bank 109% FM First Midwest Bank of Dexter 108% FS First State Bank of ST Charles Mi… 108% FB First Bank of the Lake 107% Bo Bank of Houston 107% BB BTC Bank 107% FB Focus Bank 105% HC Heritage Community Bank 105% H Homebank 103% FC F & C Bank 103% CB Citizens Bank 103% CB Citizens Bank of Charleston 103% OB Oakstar Bank 102% GS Great Southern Bank 100% OB Omb Bank 100% CB Citizens Bank 100% MB MRV Banks 99% SB Southern Bank 99% PB Paramount Bank 99%

20 of the 194 lend more than they hold in deposits, Bank of Versailles the furthest at 124%; the median is 86%.

Nonperforming loans, share of loansMissouri banks, 30 June 2026 · listed highest first · the 25 highest of 192 · amber, in the catalogue
state median 0.47% MR Midwest Regional Bank 6.61% MB MRV Banks 5.72% FS First State Bank & Trust Co. Inc 4.76% WP West Plains S & Loan Association 4.53% FB First Bank of the Lake 3.70% Bo Bank of Washington 3.50% SJ ST Johns Bank & Trust Co. 3.28% LB Lead Bank 3.26% CB Citizens Bank 2.95% Bo Bank of Grandin 2.88% SL ST Louis Bank 2.87% Bo Bank of Crocker 2.75% HB Heritage Bank of the Ozarks 2.74% KT Kennett Trust Bank 2.65% EB Exchange Bank of Missouri 2.59% UB Unico Bank 2.55% UB United Bank of Union 2.36% Bo Bank of Monticello 2.32% PB Peoples Bank & Trust Co. 2.27% SB Security Bank of SW Missouri 2.18% Bo Bank of Odessa 2.12% CB Community Bank of Missouri 1.98% SB State Bank of Missouri 1.80% CS Corner Stone Bank 1.72% TB Tbo Bank 1.69%

Midwest Regional Bank carries the most nonperforming loans at 6.61% of the book; 49 of the 194 are above 1%, and the median is 0.47%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%NPA / loansAllowance / loansBoBank of Houston+3.20%CBCommunity Bank of Memphis+3.05%LBLindell Bank & Trust Co.+2.09%MIMidwest Ind Bankersbank+1.94%PFParkside Financial Bank & Trust+1.92%PBPeoples Bank of Wyaconda Missouri+1.81%CBCitizens Bank of Rogersville+1.79%TBTbo Bank+1.75%BoBank of Old Monroe+1.73%BoBank of Brookfield Purdin N.A.+1.71%BSBank Star+1.69%BRBlue Ridge Bank & Trust Co.+1.52%MSMontrose Savings Bank+1.51%BoBank of Grain Valley+1.50%TBTriad Bank+1.45%GSGreat Southern Bank+1.44%NENew Era Bank+1.38%MCMaries County Bank+1.38%USUnited Security Bank+1.36%USUnited State Bank+1.32%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 41 of the 194 hold an allowance smaller than their nonperforming loans.

Return on assetsMissouri banks, 30 June 2026 · listed highest first · the 25 highest of 194 · amber, in the catalogue
state median 1.39% EJ Edward Jones Trust Co. 8.88% ST Stifel Trust Co. N.A. 3.25% BN Bank Northwest 3.16% SB Security Bank of SW Missouri 2.97% CB Central Bank of Kansas City 2.95% PE Pony Express Bank 2.82% B Bank 21 2.74% MS Montrose Savings Bank 2.72% LB Lindell Bank & Trust Co. 2.69% PC Peoples Community Bank 2.59% JS Jonesburg State Bank 2.52% AB Adrian Bank 2.52% NE New Era Bank 2.50% CB Citizens Bank of Charleston 2.49% TC Town & Country Bank 2.49% Bo Bank of Advance 2.40% CB Citizens Bank 2.40% CF Community First Bank 2.34% FC F & C Bank 2.33% BB Bloomsdale Bank 2.33% PO Progressive Ozark Bank 2.29% SS Senath State Bank 2.28% RM Regional Missouri Bank 2.26% CB Community Bank El Dorado Sprin 2.25% CB Citizens Bank of Eldon 2.22%

Edward Jones Trust Co. earns the most at 8.88% and Neighbors Bank the least at -3.98%; 10 of the 194 earn under 0.50%, and the median is 1.39%.

The efficiency ratio, with the return beside itMissouri banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 194 · amber, in the catalogue
state median 59.1% SB Stifel Bank & Trust 26.9% ROA 1.94% SB Stifel Bank 29.1% ROA 1.31% Bo Bank of Odessa 33.3% ROA 2.02% MS Montrose Savings Bank 34.7% ROA 2.72% PC Putnam County State Bank 34.9% ROA 1.75% CC Cass Commercial Bank 36.2% ROA 2.18% CB Central Bank of Kansas City 37.8% ROA 2.95% CS Community State Bank 37.9% ROA 1.75% CB Citizens Bank of Charleston 37.9% ROA 2.49% ST Stifel Trust Co. N.A. 38.9% ROA 3.25% Bo Bank of Versailles 41.0% ROA 1.74% LB Legends Bank 41.3% ROA 2.19% SC ST Clair County State Bank 41.5% ROA 1.82% SB Security Bank of SW Missouri 42.5% ROA 2.97% CB Community Bank El Dorado Sprin 43.3% ROA 2.25% CB Citizens Bank of Edina 43.6% ROA 2.12% CB Citizens Bank of Eldon 43.8% ROA 2.22% BN Bank Northwest 44.1% ROA 3.16% PE Pony Express Bank 44.5% ROA 2.82% FC F & C Bank 44.6% ROA 2.33% CP Community Point Bank 44.6% ROA 1.65% AB Adrian Bank 44.6% ROA 2.52% CB Citizens-farmers Bank Cole Cam 44.9% ROA 2.07% PC Peoples Community Bank 44.9% ROA 2.59% BB Bloomsdale Bank 44.9% ROA 2.33%

Stifel Bank & Trust runs the leanest at 26.9% of revenue in cost; 14 of the 194 spend more than 80 cents of every revenue dollar, and the median is 59.1%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
UMB Bank National Association$71.9B+11.8%26.0%68%0.34%1.42%10.9%
Commerce Bank$35.0B+17.9%18.9%74%0.17%1.22%11.0%
Central Trust Bank$20.3B+3.3%35.6%71%0.49%2.00%9.0%
Stifel Bank & Trust$19.6B+6.6%9.0%87%1.09%1.94%6.8%
Enterprise Bank & Trust$17.4B+4.2%31.7%81%0.98%1.10%11.8%
Stifel Bank$14.6B+32.2%0.0%73%0.06%1.31%6.2%
First Bank$6.7B+7.8%30.2%73%0.27%0.65%8.4%
Great Southern Bank$5.5B-4.9%69.4%100%0.02%1.26%11.0%
Southern Bank$5.2B+7.1%38.8%99%0.63%1.51%10.5%
First State Community Bank$4.5B+7.3%36.5%91%1.07%1.81%12.5%
Bank of Missouri$4.2B+48.0%23.5%89%1.53%0.93%11.7%
Oakstar Bank$3.3B+10.4%33.8%102%0.48%1.46%9.9%
Academy Bank National Association$3.2B+5.5%46.1%93%1.05%1.05%14.6%
North American Savings Bank FSB$3.2B+1.8%25.7%118%0.90%1.27%13.7%
Midwest Bankcentre$3.1B+1.7%46.8%97%1.07%1.34%12.4%
Five years, 2021 to 2026the 193 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$114B$202B+77%
Deposits, in total$163B$255B+56%
NPA / loans, median0.38%0.47%+0.10 pts
Efficiency, median60.2%59.0%-1.2 pts
ROA, median1.36%1.39%+0.03 pts

Small-business lending

SBA 7(a) approvals into Missouri since FY2008, across every lender type

$7.6B of 7(a) credit has been approved into Missouri since FY2008 across 18,690 loans. Accommodation & food services is the largest category at 16.3%, Retail trade at 11.8%, Manufacturing at 11.5%; the three together are 40% of the money. The heaviest losses fall in Retail trade, at 3.74% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 444 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans GB Guaranty Bank 1.9% $144M · 332 loans WF Wells Fargo Bank National Associa… 1.9% $141M · 235 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services17.6%$1.2B · 2,498 loansRetail trade12.7%$893M · 2,444 loansManufacturing12.4%$875M · 1,412 loansConstruction9.1%$645M · 2,252 loansOther services8.7%$615M · 1,919 loansHealth care & social assistance8.3%$588M · 1,535 loansProfessional & technical services7.8%$551M · 1,601 loansWholesale trade6.8%$481M · 848 loansTransportation & warehousing4.6%$327M · 895 loansAgriculture, forestry & fishing4.3%$307M · 322 loansArts, entertainment & recreation4.1%$293M · 721 loansAdministrative & waste services3.5%$245M · 953 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$1.2B2,49816.3%$36M2.93%
Retail trade$893M2,44411.8%$33M3.74%
Manufacturing$875M1,41211.5%$28M3.20%
Construction$645M2,2528.5%$23M3.53%
Other services$615M1,9198.1%$15M2.36%
Health care & social assistance$588M1,5357.7%$9M1.55%
Professional & technical services$551M1,6017.2%$10M1.82%
Wholesale trade$481M8486.3%$14M2.84%
Transportation & warehousing$327M8954.3%$9M2.73%
Agriculture, forestry & fishing$307M3224.0%$1M0.33%
Arts, entertainment & recreation$293M7213.8%$10M3.36%
Administrative & waste services$245M9533.2%$8M3.36%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Saint Louis$1.4B3,032178
Jackson$1.0B2,232183
Greene$807M2,00680
Saint Charles$449M1,211136
Saint Louis City$316M834100
Clay$271M666107
Jasper$224M74258
Boone$215M87367
Christian$191M63052
Taney$174M39259

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Missouri institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Missouri

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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