Bank 21
Carrollton, Missouri · FDIC Cert #8560
Bank 21 is an FDIC-insured bank (Certificate #8560) with $173M in total assets and $147M in total deposits as of the Q2 2024 Call Report. Headquartered in Carrollton, Missouri, the bank maintains a Tier 1 capital ratio of 12.04% (Well-Capitalized) and a nonperforming loan ratio of 0.14%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank 21 (FDIC cert 8560) is a community bank — $173M in total assets, $147M in deposits, serving the Carrollton, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.04% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.14% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 10.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.48% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank 21 carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank 21
- Total Assets
- $173M
- Total Deposits
- $147M
- Tier 1 Capital Ratio
- 12.04%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.14%
- Liquidity Ratio
- 10.92%
- Return on Assets
- 1.48%
- Headquarters
- Carrollton, Missouri
- FDIC Certificate
- #8560
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank 21 holds a Tier 1 capital ratio of 12.04%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank 21 has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank 21 shows strong financial health indicators. With $173M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank 21 Compares
Bank 21’s Health Score of 70 is 3 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 12.04% Tier 1 capital ratio is 2.0 points below the US banking industry average near 14%. The 0.14% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.48% is in line with or above the national ROA benchmark of ~1.1%. Among 1456 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Bank 21 has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.04%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank 21's Tier 1 capital ratio of 12.04% and nonperforming loan ratio of 0.14% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank 21 is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8560). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank 21 holds $173M in total assets and $147M in total deposits. It is headquartered in Carrollton, Missouri (FDIC Certificate #8560).
Bank 21 has a Tier 1 capital ratio of 12.04%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.14%, and the return on assets is 1.48%.
Yes. Bank 21 is FDIC-insured (Certificate #8560). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank 21's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.