Old Missouri Bank

Headquarters

3570 South National
Springfield, MO 65807
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.95% →
1-Year CD 0.75% 1.01% →
2-Year CD 0.90% 0.95% →
5-Year CD 1.10% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Old Missouri Bank is an FDIC insured institution located in Springfield, MO. It was founded in 1883 and has approximately $0.55 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 8252
Date Established 1883
Assets $ 550.76 million
Loans $ 476.45 million
Deposits $ 443.99 million
Capital $ 53.41 million
 

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

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.90% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More


Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Old Missouri Bank

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.664% 2.625% 0.50 $1,285 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

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

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

Branches

Old 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:
Ashburn,Virginia


Old Missouri Bank Locations


Financial Details

Old Missouri Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Old 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
Old Missouri Bank U.S. Bank Average
7.07% 6.94%

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 March 31, 2020, Old Missouri Bank had $3,824,000 in non-current loans and $366,000 in owned real estate. To cover these potential losses it had $53,411,000 in equity and $5,862,000 in loans loss reserves. That gives it a Texas Ratio of 7.07%.

Return on Equity
Old Missouri Bank U.S. Bank Average
9.48% 7.80%

Old Missouri Bank has a Return on Equity of 9.48% versus the BestCashCow average of 7.80%. 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
Old Missouri Bank U.S. Bank Average
9.7% 12.68%

Old Missouri Bank has a Capitalization of 9.7% versus the BestCashCow average of 12.68. 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.

Old Missouri Bank Balance Sheet Analysis

As of March 31, 2020, Old Missouri Bank had assets of $550,763,000, loans of $476,453,000, and deposits of $443,986,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 6.67 million
Interest-bearing balances $ 0.90 million
Total securities $ 26.22 million
Federal funds sold and reverse repurchase $ 19.15 million
Net loans and leases $ 476.45 million
Loan loss allowance $ 5.86 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.37 million
Goodwill and other intangibles $ 2.66 million
All other assets $ 13.84 million
     Total Assets $ 497.35 million
LIABILITIES
Total deposits $ 443.99 million
      Interest-bearing deposits $ 404.29 million
      Deposits held in domestic offices $ 443.99 million
      % insured (estimated) 73.69%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 51.00 million
Subordinated debt N.A.
All other liabilities $ 2.37 million
      Total Liabilities $ 497.35 million
      Shareholders’ Equity $ 53.41 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 7.09 million
Total Interest Expense $ 2.36 million
Net interest income $ 4.73 million
Provision for loan and lease losses $ 0.43 million
Total non interest income $ 0.46 million
Total non interest expense $ 3.09 million
Pre-tax Net Operating Income $ 1.68 million

Bank Loan Profile?

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

Compared to other banks, Old 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 17.95
Multifamily
Mortgages
3.08
Credit Card Loans 0.00
Consumer Auto Loans 0.77
Small Business Loans 0.00
Construction and Development Loans 5.27
Commercial Real Estate 17.65
Commercial and Industrial Loans 15.56
Farm Loans 11.26

Frequently Asked Questions About Old Missouri Bank

Branches and Savings

Is Old Missouri Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8252.

Why does Old 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 Old Missouri Bank CD rates not competitive?

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

Is Old Missouri Bank a commercial bank?

Yes

Where are Old Missouri Bank locations?

See branch locations nearby.

Is Old Missouri Bank open on Saturdays?

Is Old Missouri Bank open on Sundays?

What time does Old Missouri Bank open?

What time does Old Missouri Bank close?

Are Old Missouri Bank ATMs Open 24/7?

Do Old Missouri Bank ATMs accept cash deposits?

Can Old Missouri Bank customers use other ATMs?

Do Old Missouri Bank branches have notaries?

Will Old Missouri Bank notarize my document?

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

Will the Old Missouri Bank branch print checks?

Do Old Missouri Bank checks expire?

Does Old Missouri Bank require US citizenship to open account?

Can Old Missouri Bank close my account?

Does Old Missouri Bank Report to credit bureaus?

Does Old Missouri Bank Use Equifax?

What is Old Missouri Bank's ACH Routing Number?

What is Old Missouri Bank's SWIFT code?

Products

Does Old Missouri Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Old Missouri Bank offer personal loans?

Compare personal loan rates here.

Does Old Missouri Bank offer student loans?

Will Old Missouri Bank cash a check?

Will Old Missouri Bank redeem a savings bond?

Does Old Missouri Bank cash savings bonds?

Will Old Missouri Bank cash money orders?

Can Old Missouri Bank issue a money order?

Does Old Missouri Bank do currency exchange?

Background on The Bank

Who owns Old Missouri Bank?

How long has Old Missouri Bank been around?

Can Old Missouri Bank transfer to other banks?

Does Old Missouri Bank have quick pay?

Does Old Missouri Bank accept rolled coins?

Will Old Missouri Bank accept loose change?

Where is Old Missouri Bank headquarters?

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