Goppert Financial Bank
Lathrop, Missouri · FDIC Cert #8569
Goppert Financial Bank is an FDIC-insured bank (Certificate #8569) with $261M in total assets and $223M in total deposits as of the Q2 2024 Call Report. Headquartered in Lathrop, Missouri, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Goppert Financial Bank (FDIC cert 8569) is a community bank — $261M in total assets, $223M in deposits, serving the Lathrop, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% 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 comfortable: 38.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.12% 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 declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Goppert Financial Bank carries a composite BankHealth grade of B (65/100) 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: Goppert Financial Bank
- Total Assets
- $261M
- Total Deposits
- $223M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 38.47%
- Return on Assets
- 2.12%
- Headquarters
- Lathrop, Missouri
- FDIC Certificate
- #8569
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Goppert Financial Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Goppert Financial Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Goppert Financial Bank shows strong financial health indicators. With $261M in assets and a Health Score of 65/100, 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 Goppert Financial Bank Compares
Goppert Financial Bank’s Health Score of 65 is 2 points below the Missouri state average of 67 across 193 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.12% is in line with or above the national ROA benchmark of ~1.1%. Among 1583 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Goppert Financial Bank is 5 points below the portfolio average of 70.
Frequently Asked Questions
Goppert Financial Bank has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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. Goppert Financial Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% 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 Goppert Financial Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8569). 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.
Goppert Financial Bank holds $261M in total assets and $223M in total deposits. It is headquartered in Lathrop, Missouri (FDIC Certificate #8569).
Goppert Financial Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 2.12%.
Yes. Goppert Financial Bank is FDIC-insured (Certificate #8569). 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%).
Goppert Financial Bank'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.