O Bannon Banking Co
Buffalo, Missouri · FDIC Cert #8295
O Bannon Banking Co is an FDIC-insured bank (Certificate #8295) with $292M in total assets and $261M in total deposits as of the Q2 2024 Call Report. Headquartered in Buffalo, Missouri, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.27%. BankHealthData assigns a composite Health Grade of D (46/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
O Bannon Banking Co (FDIC cert 8295) is a community bank — $292M in total assets, $261M in deposits, serving the Buffalo, 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 0.27% 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: 15.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.29% 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 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. O Bannon Banking Co carries a composite BankHealth grade of D (46/100) 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: O Bannon Banking Co
- Total Assets
- $292M
- Total Deposits
- $261M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.27%
- Liquidity Ratio
- 15.30%
- Return on Assets
- 1.29%
- Headquarters
- Buffalo, Missouri
- FDIC Certificate
- #8295
- Health Grade
- D (46/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, O Bannon Banking Co holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject O Bannon Banking Co to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
O Bannon Banking Co shows some financial weakness with a Health Score of 46/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 O Bannon Banking Co Compares
O Bannon Banking Co’s Health Score of 46 is 21 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 0.27% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.29% is in line with or above the national ROA benchmark of ~1.1%. Among 1593 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, O Bannon Banking Co is 24 points below the portfolio average of 70.
Frequently Asked Questions
O Bannon Banking Co has a Bank Health Score of D (46/100), placing it showing signs of financial stress. 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. O Bannon Banking Co's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.27% indicate an elevated 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 O Bannon Banking Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8295). 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.
O Bannon Banking Co holds $292M in total assets and $261M in total deposits. It is headquartered in Buffalo, Missouri (FDIC Certificate #8295).
O Bannon Banking Co 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 0.27%, and the return on assets is 1.29%.
Yes. O Bannon Banking Co is FDIC-insured (Certificate #8295). 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 D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
O Bannon Banking Co shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.