First Bank of Missouri

Headquarters

7001 North Oak Street
Gladstone, MO 64118
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Bank of Missouri is an FDIC insured institution located in Gladstone, MO. It was founded in 1963 and has approximately $0.48 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18815
Date Established 1963
Assets $ 470.97 million
Loans $ 279.97 million
Deposits $ 366.06 million
Capital $ 79.27 million
 

For a more detailed analysis of First Bank of Missouri's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

 

Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for First Bank of Missouri

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2021

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2.706% 2.625% 0.63 $2,668 $1,005 Learn More
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Featured - California Home Equity Line Of Credit Rates 2021

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Third Federal Savings and Loan
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Note to First Bank of Missouri
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Branches

First Bank of Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


First Bank of Missouri Locations


Financial Details

First Bank of Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank of Missouri. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Bank of Missouri U.S. Bank Average
1.33% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, First Bank of Missouri had $1,125,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $79,265,000 in equity and $5,602,000 in loans loss reserves. That gives it a Texas Ratio of 1.33%.

Return on Equity
First Bank of Missouri U.S. Bank Average
5.82% 9.24%

First Bank of Missouri has a Return on Equity of 5.82% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Bank of Missouri U.S. Bank Average
16.83% 11.96%

First Bank of Missouri has a Capitalization of 16.83% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Bank of Missouri Balance Sheet Analysis

As of December 31, 2016, First Bank of Missouri had assets of $476,411,000, loans of $279,970,000, and deposits of $366,057,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 279.97 million
Loan loss allowance $ 5.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 366.06 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 470.97 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First Bank of Missouri’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Missouri, First Bank of Missouri has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 7.96
Multifamily
Mortgages
2.12
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 7.51
Construction and Development Loans 17.25
Commercial Real Estate 45.37
Commercial and Industrial Loans 18.23
Farm Loans 0.00

Frequently Asked Questions About First Bank Of Missouri

Branches and Savings

Is First Bank Of Missouri FDIC insured?

Yes. It is covered under FDIC Certificate #18815.

Why does First Bank Of Missouri pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Bank Of Missouri CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Bank Of Missouri a commercial bank?

Yes

Where are First Bank Of Missouri locations?

See branch locations nearby.

Is First Bank Of Missouri open on Saturdays?

Is First Bank Of Missouri open on Sundays?

What time does First Bank Of Missouri open?

What time does First Bank Of Missouri close?

Are First Bank Of Missouri ATMs Open 24/7?

Do First Bank Of Missouri ATMs accept cash deposits?

Can First Bank Of Missouri customers use other ATMs?

Do First Bank Of Missouri branches have notaries?

Will First Bank Of Missouri notarize my document?

What address for First Bank Of Missouri should I put for incoming ACH transfers?

Will the First Bank Of Missouri branch print checks?

Do First Bank Of Missouri checks expire?

Does First Bank Of Missouri require US citizenship to open account?

Can First Bank Of Missouri close my account?

Does First Bank Of Missouri Report to credit bureaus?

Does First Bank Of Missouri Use Equifax?

What is First Bank Of Missouri's ACH Routing Number?

What is First Bank Of Missouri's SWIFT code?

Products

Does First Bank Of Missouri offer mortgages?

Compare mortgage rates here.

Does First Bank Of Missouri offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank Of Missouri offer personal loans?

Compare personal loan rates here.

Does First Bank Of Missouri offer student loans?

Will First Bank Of Missouri cash a check?

Will First Bank Of Missouri redeem a savings bond?

Does First Bank Of Missouri cash savings bonds?

Will First Bank Of Missouri cash money orders?

Can First Bank Of Missouri issue a money order?

Does First Bank Of Missouri do currency exchange?

Background on The Bank

Who owns First Bank Of Missouri?

How long has First Bank Of Missouri been around?

Can First Bank Of Missouri transfer to other banks?

Does First Bank Of Missouri have quick pay?

Does First Bank Of Missouri accept rolled coins?

Will First Bank Of Missouri accept loose change?

Where is First Bank Of Missouri headquarters?

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