Community Stb of Missouri
Bowling Green, Missouri · FDIC Cert #1936
This is the FDIC profile for Community Stb of Missouri, an FDIC-insured bank (Certificate #1936) with $296M in total assets and $250M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Bowling Green, Missouri, the bank maintains a Tier 1 capital ratio of 11.51% (Well-Capitalized) and a nonperforming loan ratio of 0.34%. BankHealthData assigns a composite Health Grade of B (77/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Community Stb of Missouri (FDIC cert 1936) is a community bank — $296M in total assets, $250M in deposits, serving the Bowling Green, 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 adequate: Tier 1 capital ratio of 11.51% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.34% 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 in the normal range: 19.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.57% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Community Stb of Missouri carries a composite BankHealth grade of B (77/100) 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: Community Stb of Missouri
- Total Assets
- $296M
- Total Deposits
- $250M
- Tier 1 Capital Ratio
- 11.51%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.34%
- Liquidity Ratio
- 19.78%
- Return on Assets
- 1.57%
- Headquarters
- Bowling Green, Missouri
- FDIC Certificate
- #1936
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Community Stb of Missouri files quarterly Call Reports with the FDIC under Certificate #1936. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Community Stb of Missouri holds a Tier 1 capital ratio of 11.51%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Community Stb of Missouri has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Community Stb of Missouri shows strong financial health indicators. With $296M in assets and a Health Score of 77/100, 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 Community Stb of Missouri Compares
Community Stb of Missouri’s Health Score of 77 is 2 points below the Missouri state average of 79 across 193 FDIC-insured banks. Its 11.51% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 0.34% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.57% is in line with or above the national ROA benchmark of ~1.1%. Among 1586 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Community Stb of Missouri is 3 points below the portfolio average of 80.
Frequently Asked Questions
Community Stb of Missouri has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.51%, 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. Community Stb of Missouri's Tier 1 capital ratio of 11.51% and nonperforming loan ratio of 0.34% 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 Community Stb of Missouri is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1936). 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.
Community Stb of Missouri holds $296M in total assets and $250M in total deposits. It is headquartered in Bowling Green, Missouri (FDIC Certificate #1936).
Community Stb of Missouri's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #1936 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Community Stb of Missouri has a Tier 1 capital ratio of 11.51%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.34%, and the return on assets is 1.57%.
Yes. Community Stb of Missouri is FDIC-insured (Certificate #1936). 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%).
Community Stb of Missouri'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.