Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Missouri

65 banks · Average score: 72/100 · Combined assets $50.8B

65 banks in this state currently hold B grades, averaging a composite score of 72/100. 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 12.97% and an NPL ratio of 0.61%, sourced from the most recent FDIC quarterly Call Report.

65 Missouri banks hold a B grade (72/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B C DF

What "B" Means in Practice

B-graded banks in Missouri are healthy mid-tier institutions — composite scores of 65–79. Currently 65 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Missouri

Banks in this grade tier	65
Combined assets	$50.8B
Average composite score	72/100
Average Tier 1 capital ratio	12.97%
Average NPL ratio	0.61%

All B-Graded Banks in Missouri

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Community First Bank	Butler	79	$251M	12.41%	0.62%	19.67%
2	Limebank	Bolivar	79	$112M	16.83%	0.04%	16.10%
3	Citizens Bank of Edina	Edina	79	$99M	12.49%	0.65%	19.80%
4	West Plains Bank&Trust Co	West Plains	79	$667M	10.54%	0.62%	29.09%
5	Country Club Bank	Kansas City	79	$2.2B	10.38%	1.05%	32.42%
6	Bank of Versailles	Versailles	78	$334M	13.66%	0.00%	12.01%
7	First State B&T Co INC	Caruthersville	78	$595M	12.88%	1.38%	22.45%
8	Ma Bank	Macon	78	$353M	10.16%	0.77%	42.15%
9	Alliant Bank	Madison	78	$220M	13.65%	0.09%	14.22%
10	Enterprise Bank&Trust	Clayton	78	$14.6B	12.39%	0.48%	19.09%
11	New Frontier Bank	Saint Charles	78	$149M	11.84%	0.00%	21.56%
12	United State Bank	Lewistown	77	$268M	11.81%	0.23%	19.10%
13	Farmbank	Green City	77	$78M	11.44%	0.78%	32.61%
14	Sherwood Community Bank	Creighton	77	$78M	11.52%	1.19%	32.49%
15	Fcnb Bank	Steelville	77	$196M	9.35%	0.05%	33.37%
16	Regional Missouri Bank	Marceline	77	$515M	11.10%	0.04%	20.27%
17	Community Stb of Missouri	Bowling Green	77	$296M	11.51%	0.34%	19.78%
18	Great Southern Bank	Reeds Spring	77	$6.0B	12.98%	0.23%	15.62%
19	Wood&Huston Bank	Marshall	76	$1.2B	11.85%	0.10%	17.83%
20	Community First Banking Co	West Plains	76	$269M	10.55%	0.00%	21.50%
21	Triad Bank	Frontenac	76	$859M	12.03%	0.00%	15.30%
22	Kennett Trust Bank	Kennett	75	$130M	10.71%	1.17%	31.08%
23	Verimore Bank	Brookfield	75	$453M	12.32%	0.09%	14.50%
24	Alton Bank	Alton	75	$119M	11.22%	1.36%	43.76%
25	Hawthorn Bank	Jefferson City	74	$1.8B	12.68%	0.30%	14.18%
26	Blue Ridge Bank&Trust Co	Independence	74	$778M	10.09%	0.21%	20.95%
27	Citizens Bank of Eldon	Eldon	74	$220M	11.05%	0.92%	21.75%
28	Kahoka State Bank	Kahoka	74	$56M	12.85%	2.15%	39.63%
29	Midwest Bankcentre	Lemay	73	$2.8B	11.82%	0.26%	16.11%
30	Mid America Bank	Jefferson City	73	$921M	10.67%	0.18%	16.08%
31	Community Point Bank	Russellville	73	$188M	11.16%	0.38%	18.26%
32	First Stb of St Charles Mo	St. Charles	72	$557M	15.66%	0.44%	6.98%
33	Progressive Ozark Bank	Salem	72	$171M	12.67%	0.19%	9.75%
34	First Missouri State Bank	Poplar Bluff	72	$259M	12.68%	0.43%	13.42%
35	Focus Bank	Charleston	71	$820M	12.40%	0.13%	10.97%
36	Peoples Sb of Rhineland	Rhineland	71	$670M	10.61%	0.17%	16.72%
37	Cnb St Louis Bank	Maplewood	71	$774M	10.74%	0.58%	21.82%
38	Concordia Bk of Concordia Mo	Concordia	70	$116M	11.11%	0.00%	13.80%
39	Bank of New Madrid	New Madrid	70	$117M	12.40%	3.59%	46.44%
40	Senath State Bank	Senath	70	$95M	14.87%	5.97%	35.94%
41	Carroll Cnty Tr Carrollton M	Carrollton	70	$202M	9.12%	1.27%	59.15%
42	Exchange Bank of Missouri	Fayette	70	$363M	11.70%	0.00%	10.80%
43	Bank Northwest	Hamilton	70	$206M	9.70%	0.09%	15.27%
44	First Cmty Bk of the Ozarks	Branson	70	$194M	10.49%	0.03%	18.54%
45	Parkside Financial B&T	Clayton	70	$1.0B	11.71%	0.66%	16.71%
46	Bank 21	Carrollton	70	$173M	12.04%	0.14%	10.92%
47	Bank of Houston	Houston	69	$67M	12.38%	0.18%	9.74%
48	Bank Star	Pacific	69	$189M	10.29%	0.03%	16.05%
49	Guaranty Bank	Springfield	69	$2.4B	12.16%	0.32%	11.52%
50	St Johns Bank&Trust Co	Saint Louis	69	$316M	10.16%	1.24%	22.72%
51	Umb Bank&Trust National Assn	Kansas City	68	$3M	100.03%	0.00%	0.00%
52	Heritage Bank of the Ozarks	Lebanon	68	$342M	9.10%	0.36%	19.28%
53	Security Bank of the Ozarks	Eminence	67	$148M	10.10%	2.90%	30.72%
54	Ozarks Fs&La	Farmington	67	$269M	20.14%	1.00%	11.17%
55	1st Advantage Bank	Saint Peters	67	$170M	10.60%	0.00%	12.46%
56	Citizens Bank of Rogersville	Rogersville	67	$126M	10.68%	0.40%	15.20%
57	F&C Bank	Holden	67	$389M	10.38%	0.07%	10.07%
58	Branson Bank	Branson	66	$360M	11.11%	0.00%	9.20%
59	St Louis Bank	Saint Louis	66	$963M	10.14%	0.53%	15.37%
60	O Bannon Banking Co	Buffalo	66	$292M	9.34%	0.27%	15.30%
61	Callaway Bank	Fulton	65	$480M	9.45%	0.35%	16.75%
62	Homebank	Palmyra	65	$626M	9.78%	0.04%	11.39%
63	State Bank of Southwest Mo	Springfield	65	$156M	10.03%	0.03%	12.15%
64	Security Bank of Sw Mo	Cassville	65	$125M	11.36%	2.15%	17.86%
65	First Federal Bank of Ks Cty	Lees Summit	65	$976M	12.29%	0.51%	15.03%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Missouri?

What does this tier look like financially?

Across 65 B-graded banks in Missouri, the average Tier 1 capital ratio is 12.97% and the average nonperforming-loan ratio is 0.61%. Combined assets in this cohort total $50.8B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 2026-06-29 · 65 B-graded banks in Missouri. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.