Updated April 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Missouri

63 banks · Average score: 89/100 · Combined assets $129.4B

63 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 26.84% and an NPL ratio of 0.42%, sourced from the most recent FDIC quarterly Call Report.

63 Missouri banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Missouri A-grade banks by health score with links to each bank's full profile.

A B C D F

What "A" Means in Practice

A-graded banks in Missouri are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 63 banks chartered in Missouri qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Missouri

Banks in this grade tier	63
Combined assets	$129.4B
Average composite score	89/100
Average Tier 1 capital ratio	26.84%
Average NPL ratio	0.42%

All A-Graded Banks in Missouri

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Edward Jones Trust Co	Saint Louis	100	$131M	351.19%	0.00%	92.17%
2	Stifel Trust Co NA	Saint Louis	100	$889M	31.85%	0.00%	97.34%
3	National Advisors Trust Co	Kansas City	100	$21M	280.61%	0.00%	74.70%
4	Adrian Bank	Adrian	100	$178M	20.60%	0.02%	34.33%
5	Community Bank of Raymore	Raymore	99	$351M	19.94%	0.12%	68.32%
6	Kearney Trust Co	Kearney	99	$293M	16.94%	0.00%	42.87%
7	Nodaway Valley Bank	Maryville	97	$1.4B	14.01%	0.04%	30.30%
8	Preferred Bank	Rothville	96	$136M	21.02%	0.00%	60.54%
9	Town&Country Bank	Salem	96	$695M	18.46%	0.41%	31.87%
10	Northeast Missouri Stb	Kirksville	96	$139M	20.79%	0.09%	51.14%
11	Community Bank of Marshall	Marshall	96	$234M	17.57%	0.01%	55.01%
12	Community Bk Pleasant Hill	Pleasant Hill	96	$152M	21.41%	0.12%	68.09%
13	Independent Farmers Bank	Maysville	95	$153M	15.14%	0.17%	40.70%
14	Community Bank&Trust	Neosho	95	$416M	25.87%	0.07%	54.21%
15	Farmers&Merchants Bk St Clai	Saint Clair	95	$338M	16.68%	0.01%	28.40%
16	Jonesburg State Bank	Jonesburg	95	$133M	14.11%	0.00%	27.83%
17	Bank of Brookfield Purdin NA	Brookfield	95	$105M	35.37%	0.00%	76.10%
18	State Bank of Missouri	Concordia	94	$145M	18.66%	0.36%	43.13%
19	Stifel Bank	Saint Louis	94	$10.5B	13.11%	0.00%	34.10%
20	Commercial Tr Co of Fayette	Fayette	94	$154M	17.81%	0.53%	30.64%
21	Bank of Orrick	Orrick	93	$120M	18.13%	0.09%	26.32%
22	Cass Commercial Bank	Des Peres	93	$1.3B	17.07%	0.00%	23.34%
23	Southwest Missouri Bank	Carthage	93	$1.1B	15.16%	0.24%	45.21%
24	Midwest Ind Bankersbank	Jefferson City	93	$317M	16.24%	0.00%	24.49%
25	Central Trust Bank	Jefferson City	92	$18.6B	12.50%	0.29%	33.54%
26	Chillicothe State Bank	Chillicothe	92	$136M	21.46%	0.94%	46.31%
27	Hamilton Bank	Hamilton	92	$103M	15.14%	0.89%	48.79%
28	First Security Bank	Union Star	92	$57M	13.62%	0.16%	33.23%
29	Flat Branch Bank	Richmond	91	$63M	40.02%	0.43%	72.92%
30	Ozark Bank	Ozark	91	$354M	13.07%	0.00%	30.07%
31	First Nb of Nevada Missouri	Nevada	91	$111M	22.68%	0.76%	53.45%
32	Community Bank of Missouri	Richmond	90	$80M	18.69%	1.62%	33.12%
33	Bank of Iberia	Iberia	90	$68M	14.34%	0.54%	33.07%
34	Tpnb Bank	Paris	89	$104M	17.33%	0.77%	37.91%
35	Clay County Savings Bank	Liberty	88	$148M	13.51%	0.07%	30.28%
36	First Bank	St. Louis	87	$6.6B	13.31%	0.28%	37.12%
37	Mid-Missouri Bank	Springfield	87	$931M	12.88%	0.07%	23.45%
38	Central Bank of Kansas City	Kansas City	87	$356M	15.20%	0.00%	17.49%
39	Umb Bank National Assn	Kansas City	87	$44.2B	11.43%	0.08%	40.20%
40	Bloomsdale Bank	Bloomsdale	86	$344M	11.36%	0.44%	31.25%
41	Peoples Bank of Altenburg	Altenburg	85	$89M	12.06%	0.33%	29.15%
42	Phelps County Bank	Rolla	85	$486M	13.83%	0.25%	21.81%
43	Corner Stone Bank	South West City	85	$193M	18.37%	1.33%	25.95%
44	Bank of Odessa	Odessa	85	$579M	21.46%	1.16%	21.68%
45	Fmb Bank	Wright City	84	$52M	12.33%	0.01%	64.64%
46	Bank of Crocker	Waynesville	84	$140M	31.57%	1.76%	62.37%
47	Home S&la of Carroll Cnty Fa	Norborne	84	$123M	23.03%	0.65%	24.88%
48	Sterling Bank	Poplar Bluff	84	$1.4B	17.66%	1.27%	21.90%
49	Lead Bank	Kansas City	84	$1.1B	26.31%	2.03%	26.29%
50	Bank of Weston	Weston	83	$213M	11.80%	0.07%	24.50%
51	North American Sb FSB	Grandview	83	$2.8B	21.63%	0.83%	20.91%
52	Table Rock Community Bank	Kimberling City	83	$169M	12.15%	0.19%	25.29%
53	Belgrade State Bank	Belgrade	82	$452M	13.81%	0.03%	16.01%
54	Security Bk of Pulaski Cnty	Saint Robert	82	$146M	12.27%	0.96%	32.83%
55	Exchange Bank of Ne Mo	Kahoka	82	$230M	13.64%	2.12%	30.32%
56	First State Bank of Purdy	Purdy	81	$229M	11.56%	1.28%	30.60%
57	Bank of Missouri	Perryville	81	$3.1B	12.53%	0.21%	24.75%
58	Academy Bank National Assn	Kansas City	81	$2.7B	18.13%	0.88%	19.94%
59	Pony Express Bank	Braymer	81	$380M	11.59%	0.01%	19.90%
60	Citizens Bank of the Midwest	Rolla	80	$208M	12.58%	0.22%	22.25%
61	First State Community Bank	Farmington	80	$4.0B	12.92%	0.37%	18.45%
62	Royal Banks of Missouri	University City	80	$1.0B	14.43%	0.42%	18.17%
63	Stifel Bank&Trust	Saint Louis	80	$18.0B	10.92%	0.64%	24.86%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Missouri?

What does this tier look like financially?

Across 63 A-graded banks in Missouri, the average Tier 1 capital ratio is 26.84% and the average nonperforming-loan ratio is 0.42%. Combined assets in this cohort total $129.4B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Missouri →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 63 A-graded banks in Missouri. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.