Safest Banks in Missouri 2026
Missouri has 193 FDIC-insured banks with an average Bank Health Score of 79/100 (B). The safest bank is Edward Jones Trust Co with a score of 100/100.
Data from FDIC Q2 2024
193 Missouri banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Missouri's 193 FDIC-insured banks hold a combined $211.1B in assets. Their average Bank Health Score of 79/100 sits 1.0 points in line with the national average of 80/100. Across the state, 85% of banks earn an A or B grade for financial health, while 1% fall to a D or F.
The largest bank headquartered in Missouri is Umb Bank National Assn with $44.2B in assets and a Bank Health Score of 87/100. The strongest by score is Edward Jones Trust Co in Saint Louis (100/100, Tier 1 capital 351.19%). The weakest is United Bank of Union at 43/100, dragged down by an NPL ratio of 3.28%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Missouri
Edward Jones Trust Co
Saint Louis, MO
Missouri's top-rated bank, with a Tier 1 capital ratio of 351.19% — well above the federal "well-capitalized" threshold of 8%. Holds $131M in assets.
Stifel Trust Co NA
Saint Louis, MO
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $889M in total assets.
National Advisors Trust Co
Kansas City, MO
Third in the rankings on the Bank Health Score. Liquidity ratio of 74.70% and ROA of 36.05%.
Top 20 of 193 Banks in Missouri
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Edward Jones Trust Co | Saint Louis | A | 100 | 351.19% | 0.00% |
| 2 | Stifel Trust Co NA | Saint Louis | A | 100 | 31.85% | 0.00% |
| 3 | National Advisors Trust Co | Kansas City | A | 100 | 280.61% | 0.00% |
| 4 | Adrian Bank | Adrian | A | 100 | 20.60% | 0.02% |
| 5 | Bank of Grain Valley | Grain Valley | A | 100 | 22.27% | 0.00% |
| 6 | Community Bank of Raymore | Raymore | A | 99 | 19.94% | 0.12% |
| 7 | Montrose Savings Bank | Montrose | A | 99 | 14.52% | 0.02% |
| 8 | Kearney Trust Co | Kearney | A | 99 | 16.94% | 0.00% |
| 9 | Lindell Bank&Trust Co | St. Louis | A | 98 | 15.20% | 0.22% |
| 10 | Community Bk el Dorado Sprin | El Dorado Spring | A | 97 | 16.06% | 0.23% |
| 11 | Nodaway Valley Bank | Maryville | A | 97 | 14.01% | 0.04% |
| 12 | Preferred Bank | Rothville | A | 96 | 21.02% | 0.00% |
| 13 | Town&Country Bank | Salem | A | 96 | 18.46% | 0.41% |
| 14 | Northeast Missouri Stb | Kirksville | A | 96 | 20.79% | 0.09% |
| 15 | Silex Banking Co | Silex | A | 96 | 14.64% | 0.00% |
| 16 | Community Bank of Marshall | Marshall | A | 96 | 17.57% | 0.01% |
| 17 | Community Bk Pleasant Hill | Pleasant Hill | A | 96 | 21.41% | 0.12% |
| 18 | Farmers Bank of Lohman Mo | Jefferson City | A | 96 | 17.08% | 0.00% |
| 19 | Independent Farmers Bank | Maysville | A | 95 | 15.14% | 0.17% |
| 20 | Community Bank&Trust | Neosho | A | 95 | 25.87% | 0.07% |
Bank Health Scores for Missouri are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Edward Jones Trust Co in Saint Louis is currently the safest bank in Missouri with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 351.19% and a nonperforming loan ratio of 0.00%.
Missouri has 193 FDIC-insured banks with a combined $211.1B in total assets. The average Bank Health Score across the state is 79/100 (Grade B).
Missouri's average Bank Health Score of 79/100 is 1.0 points in line with the national average of 80/100. 85% of banks in Missouri earn an A or B grade, compared with the national average grade of A.
Of 193 FDIC-insured banks headquartered in Missouri, 99 earn an A, 65 a B, 28 a C, 1 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).