First Missouri Bank

Headquarters

300 West Lockling
Brookfield, MO 64628
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.70% →
1-Year CD 0.50% 0.75% →
2-Year CD 0.60% 0.81% →
5-Year CD 0.80% 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 Missouri Bank is an FDIC insured institution located in Brookfield, MO. It was founded in 1934 and has approximately $0.34 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 28930
Date Established 1934
Assets $ 336.90 million
Loans $ 282.80 million
Deposits $ 296.26 million
Capital $ 32.88 million
 

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

Deposit Rates - January 18, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.65% $10,000 $14,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.65% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
0.80% $10,000 $14,999 Learn More
60 Mo CD
0.70% $10,000 $14,999 Learn More
60 Mo CD
0.80% $100,000 $199,999 Learn More
60 Mo CD
0.70% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
Int Ckg
0.20% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - January 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Missouri Bank

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.480% 2.375% 1.00 $3,500 $972 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.701% 2.625% 1.00 $2,495 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to First Missouri Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First Missouri Bank 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:
Fairfield,Connecticut


First Missouri Bank Locations


Financial Details

First Missouri Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Missouri Bank. 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 Missouri Bank U.S. Bank Average
17.45% 6.14%

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 September 30, 2020, First Missouri Bank had $6,370,000 in non-current loans and $3,000 in owned real estate. To cover these potential losses it had $32,881,000 in equity and $3,639,000 in loans loss reserves. That gives it a Texas Ratio of 17.45%.

Return on Equity
First Missouri Bank U.S. Bank Average
13.43% 9.23%

First Missouri Bank has a Return on Equity of 13.43% versus the BestCashCow average of 9.23%. 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 Missouri Bank U.S. Bank Average
9.76% 12.07%

First Missouri Bank has a Capitalization of 9.76% versus the BestCashCow average of 12.07. 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 Missouri Bank Balance Sheet Analysis

As of September 30, 2020, First Missouri Bank had assets of $336,904,000, loans of $282,801,000, and deposits of $296,258,000. 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

September 30, 2020
ASSETS
Cash & Balances due from depository institutions $ 29.78 million
Interest-bearing balances $ 26.73 million
Total securities $ 15.38 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 282.80 million
Loan loss allowance $ 3.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.00 million
Goodwill and other intangibles $ 0.39 million
All other assets $ 4.56 million
     Total Assets $ 304.02 million
LIABILITIES
Total deposits $ 296.26 million
      Interest-bearing deposits $ 230.67 million
      Deposits held in domestic offices $ 296.26 million
      % insured (estimated) 72.80%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.93 million
Subordinated debt N.A.
All other liabilities $ 0.83 million
      Total Liabilities $ 304.02 million
      Shareholders’ Equity $ 32.88 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income $ 11.20 million
Total Interest Expense $ 2.20 million
Net interest income $ 9.00 million
Provision for loan and lease losses $ 0.78 million
Total non interest income $ 0.77 million
Total non interest expense $ 5.87 million
Pre-tax Net Operating Income $ 3.12 million

Bank Loan Profile?

The top three loan types in First Missouri Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, First Missouri Bank’s loan portfolio does not show any specific loan specialty.

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 17.46
Multifamily
Mortgages
3.19
Credit Card Loans 0.00
Consumer Auto Loans 0.57
Small Business Loans 0.00
Construction and Development Loans 5.77
Commercial Real Estate 27.11
Commercial and Industrial Loans 16.52
Farm Loans 10.44

Frequently Asked Questions About First Missouri Bank

Branches and Savings

Is First Missouri Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28930.

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

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

Why are First Missouri Bank CD rates not competitive?

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

Is First Missouri Bank a commercial bank?

Yes

Where are First Missouri Bank locations?

See branch locations nearby.

Is First Missouri Bank open on Saturdays?

Is First Missouri Bank open on Sundays?

What time does First Missouri Bank open?

What time does First Missouri Bank close?

Are First Missouri Bank ATMs Open 24/7?

Do First Missouri Bank ATMs accept cash deposits?

Can First Missouri Bank customers use other ATMs?

Do First Missouri Bank branches have notaries?

Will First Missouri Bank notarize my document?

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

Will the First Missouri Bank branch print checks?

Do First Missouri Bank checks expire?

Does First Missouri Bank require US citizenship to open account?

Can First Missouri Bank close my account?

Does First Missouri Bank Report to credit bureaus?

Does First Missouri Bank Use Equifax?

What is First Missouri Bank's ACH Routing Number?

What is First Missouri Bank's SWIFT code?

Products

Does First Missouri Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does First Missouri Bank offer personal loans?

Compare personal loan rates here.

Does First Missouri Bank offer student loans?

Will First Missouri Bank cash a check?

Will First Missouri Bank redeem a savings bond?

Does First Missouri Bank cash savings bonds?

Will First Missouri Bank cash money orders?

Can First Missouri Bank issue a money order?

Does First Missouri Bank do currency exchange?

Background on The Bank

Who owns First Missouri Bank?

How long has First Missouri Bank been around?

Can First Missouri Bank transfer to other banks?

Does First Missouri Bank have quick pay?

Does First Missouri Bank accept rolled coins?

Will First Missouri Bank accept loose change?

Where is First Missouri Bank headquarters?

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