Updated June 2026 · FDIC Call Report Q2 2024

C-Rated Banks in Missouri

28 banks · Average score: 60/100 · Combined assets $21.1B

28 banks in this state currently hold C grades, averaging a composite score of 60/100. 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 10.56% and an NPL ratio of 0.77%, sourced from the most recent FDIC quarterly Call Report.

28 Missouri banks hold a C grade, averaging 60/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.

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

A B C DF

What "C" Means in Practice

C-graded banks in Missouri are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 28 banks chartered in Missouri carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.

For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.

Tier-Wide Snapshot in Missouri

Banks in this grade tier	28
Combined assets	$21.1B
Average composite score	60/100
Average Tier 1 capital ratio	10.56%
Average NPL ratio	0.77%

All C-Graded Banks in Missouri

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Btc Bank	Bethany	64	$1.2B	8.83%	0.51%	16.75%
2	Connections Bank	Platte City	64	$473M	9.87%	0.00%	8.57%
3	First Mw Bank of the Ozarks	Poplar Bluff	64	$712M	10.69%	0.94%	12.19%
4	First Mo Stb of Cape County	Cape Girardeau	64	$212M	9.40%	0.10%	12.88%
5	Bank of Billings	Billings	63	$88M	9.77%	0.36%	12.85%
6	First Missouri Bank of Semo	Kennett	63	$202M	9.29%	0.00%	8.26%
7	West Plains S&La	West Plains	63	$94M	21.91%	3.74%	22.15%
8	Homepride Bank	Mansfield	62	$124M	9.68%	0.80%	16.20%
9	Legacy Bank&Trust Co	Mountain Grove	62	$1.7B	11.21%	0.01%	8.56%
10	First Bank of the Lake	Osage Beach	62	$1.3B	15.80%	1.75%	3.54%
11	Freedom Bank of Southern Mo	Cassville	62	$691M	8.74%	0.22%	13.25%
12	Montgomery Bank	Sikeston	62	$1.2B	10.14%	0.13%	9.52%
13	Peoples Bank of Seneca	Seneca	61	$464M	8.80%	0.38%	12.47%
14	Century Bank of the Ozarks	Gainesville	61	$266M	9.32%	1.51%	15.60%
15	Sullivan Bank	Sullivan	61	$1.1B	11.26%	1.29%	11.57%
16	American Bank of Freedom	Wellsville	60	$919M	11.05%	1.22%	13.27%
17	Mrv Banks	Sainte Genevieve	60	$743M	11.97%	2.76%	15.15%
18	M1 Bank	Clayton	60	$1.2B	9.31%	0.00%	5.48%
19	Bank of Washington	Washington	59	$1.1B	12.55%	1.98%	7.33%
20	Americas Community Bank	Blue Springs	59	$47M	9.81%	0.00%	5.58%
21	Bank of Franklin County	Washington	58	$417M	8.76%	0.09%	12.23%
22	Midwest Regional Bank	Clayton	58	$1.1B	10.02%	0.78%	10.13%
23	Unico Bank	Mineral Point	56	$496M	9.66%	0.83%	10.56%
24	First Midwest Bank of Dexter	Dexter	56	$573M	9.05%	0.13%	7.80%
25	Paramount Bank	Hazelwood	56	$101M	11.15%	0.00%	6.03%
26	Heritage Community Bank	Union	55	$267M	8.95%	0.40%	7.35%
27	Omb Bank	Springfield	55	$1.6B	9.61%	0.97%	7.85%
28	Oakstar Bank	Springfield	51	$2.7B	9.03%	0.65%	6.23%

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

How many C-graded banks are in Missouri?

What does this tier look like financially?

Across 28 C-graded banks in Missouri, the average Tier 1 capital ratio is 10.56% and the average nonperforming-loan ratio is 0.77%. Combined assets in this cohort total $21.1B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-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 C 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 · 28 C-graded banks in Missouri. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.