M1 Bank
Our records indicate that this bank has been acquired by The Bank of Missouri.
Headquarters
7801 Forsyth Boulevard
Clayton, MO 63105
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2026 Overview
General Bank Information
M1 Bank is an FDIC insured institution located in Clayton, MO. It was founded in 1911 and has approximately $1.2 billion in assets.
| FDIC Insured | Yes |
| FDIC Certificate | # 9797 |
| Date Established | 1911 |
| Assets | $ 1,142.92 million |
| Loans | $ 919.28 million |
| Deposits | $ 1,070.42 million |
| Capital | $ 116.58 million |
For a more detailed analysis of M1 Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 28, 2026
Your Current Location: California, CA
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Loan Rates - September 28, 2026
Your Current Location: California, CA
There are currently no loan rates available for M1 Bank
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Branches
M1 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,California
Climate Policy and Initiatives
M1 Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
M1 Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of M1 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
| M1 Bank | U.S. Bank Average |
|---|---|
| 0% | 5.57% |
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, 2025, M1 Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $116,581,000 in equity and $12,778,000 in loans loss reserves. That gives it a Texas Ratio of 0%.
Return on Equity
| M1 Bank | U.S. Bank Average |
|---|---|
| 18.86% | 10.69% |
M1 Bank has a Return on Equity of 18.86% versus the BestCashCow average of 10.69%. 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
| M1 Bank | U.S. Bank Average |
|---|---|
| 10.2% | 11.75% |
M1 Bank has a Capitalization of 10.2% versus the BestCashCow average of 11.75. 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.
M1 Bank Balance Sheet Analysis
As of December 31, 2025, M1 Bank had assets of $1,196,604,000, loans of $919,280,000, and deposits of $1,070,420,000. 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, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 147.89 million |
| Interest-bearing balances | $ 146.18 million |
| Total securities | $ 30.76 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 919.28 million |
| Loan loss allowance | $ 12.78 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 | $ 7.56 million |
| Total Assets | $ 1,080.02 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 1,070.42 million |
| Interest-bearing deposits | $ 974.48 million |
| Deposits held in domestic offices | $ 1,070.42 million |
| % insured (estimated) | 81.41% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 34.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.20 million |
| Total Liabilities | $ 1,080.02 million |
| Shareholders’ Equity | $ 62.90 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 78.76 million |
| Total Interest Expense | $ 38.26 million |
| Net interest income | $ 40.50 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.22 million |
| Total non interest expense | $ 17.23 million |
| Pre-tax Net Operating Income | $ 9.52 million |
Bank Loan Profile?
The top three loan types in M1 Bank’s loan portfolio are Commercial and Industrial Loans, Construction and Development Loans, and 1-4 Family Residential Loans.
Compared to other banks in Missouri, M1 Bank has a significantly higher percent of Construction and Development Loans, Commercial and Industrial Loans 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 | 2.52 | ✓ | ||
| Multifamily Mortgages |
0.32 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.00 | ✓ | ||
| Small Business Loans | 0.06 | ✓ | ||
| Construction and Development Loans | 19.66 | ✓ | ||
| Commercial Real Estate | 1.37 | ✓ | ||
| Commercial and Industrial Loans | 35.95 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Customer Reviews for M1 Bank
john
December 15, 2022
Great service great rates at the Des Peres location!
Is this review helpful? Yes:0 / No: 0
Bill Lampe
February 21, 2022
">Went to the Lake Ozark branch and made a large deposit into a high yielding account. They decided to cut the rate in half the following month. With no explanation decided they would just close the account….
Is this review helpful? Yes:4 / No: 0
customer
April 5, 2021
">THIS IS NOT A BANK TO DO BUSINESS WITH!
After making an appointment and driving to their location, the manager refused to see me. They told me I had to open the CD thru a tube without even seeing the person at the other end of the mike, and without getting a chance to read the terms and conditions before signing the contract and handing over the money. If the treatment is so rude and impersonal before opening an account, what can you expect after you hand over your life savings.
Is this review helpful? Yes:7 / No: 0
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