The Missouri Bank II

Headquarters

1601 South Limit
Sedalia, MO 65301
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.40% 0.75% →
2-Year CD 0.55% 0.80% →
5-Year CD 1.01% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

The Missouri Bank II is an FDIC insured institution located in Sedalia, MO. It was founded in 1891 and has approximately $0.1 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 13787
Date Established 1891
Assets $ 101.61 million
Loans $ 72.32 million
Deposits $ 88.06 million
Capital $ 11.30 million
 

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

Deposit Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $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
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 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
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
30 Mo CD
0.65% $10,000 $14,999 Learn More
30 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.01% $100,000 $199,999 Learn More

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

Loan Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The Missouri Bank II

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 (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.747% 2.690%
0.75 points
$1,858 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to The Missouri Bank II
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Branches

The Missouri Bank II 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


The Missouri Bank II Locations



Climate Initiatives

The Missouri Bank II is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

The Missouri Bank II Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Missouri Bank II. 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
The Missouri Bank II U.S. Bank Average
3.13% 4.78%

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 June 30, 2021, The Missouri Bank II had $182,000 in non-current loans and $223,000 in owned real estate. To cover these potential losses it had $11,301,000 in equity and $1,632,000 in loans loss reserves. That gives it a Texas Ratio of 3.13%.

Return on Equity
The Missouri Bank II U.S. Bank Average
11.11% 11.29%

The Missouri Bank II has a Return on Equity of 11.11% versus the BestCashCow average of 11.29%. 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
The Missouri Bank II U.S. Bank Average
11.12% 11.72%

The Missouri Bank II has a Capitalization of 11.12% versus the BestCashCow average of 11.72. 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.

The Missouri Bank II Balance Sheet Analysis

As of March 31, 2020, The Missouri Bank II had assets of $102,850,000, loans of $72,322,000, and deposits of $88,062,000. 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

June 30, 2021
ASSETS
Cash & Balances due from depository institutions $ 2.60 million
Interest-bearing balances $ 0.05 million
Total securities $ 12.27 million
Federal funds sold and reverse repurchase $ 8.96 million
Net loans and leases $ 72.32 million
Loan loss allowance $ 1.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.22 million
Goodwill and other intangibles N.A.
All other assets $ 3.97 million
     Total Assets $ 91.55 million
LIABILITIES
Total deposits $ 88.06 million
      Interest-bearing deposits $ 68.78 million
      Deposits held in domestic offices $ 88.06 million
      % insured (estimated) 92.24%
Federal funds purchased and repurchase agreements $ 1.08 million
Trading liabilities N.A.
Other borrowed funds $ 2.18 million
Subordinated debt N.A.
All other liabilities $ 0.22 million
      Total Liabilities $ 91.55 million
      Shareholders’ Equity $ 10.07 million

Summary Income Statement

June 30, 2021
INCOME AND EXPENSES
Total Interest Income $ 1.05 million
Total Interest Expense $ 0.23 million
Net interest income $ 0.82 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.10 million
Total non interest expense $ 0.57 million
Pre-tax Net Operating Income $ 0.36 million

Bank Loan Profile?

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

Compared to other banks, The Missouri Bank II’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 42.23
Multifamily
Mortgages
4.98
Credit Card Loans 0.00
Consumer Auto Loans 0.42
Small Business Loans 0.00
Construction and Development Loans 8.88
Commercial Real Estate 30.95
Commercial and Industrial Loans 1.27
Farm Loans 1.09

Frequently Asked Questions About The Missouri Bank Ii

Branches and Savings

Is The Missouri Bank Ii FDIC insured?

Yes. It is covered under FDIC Certificate #13787.

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

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

Why are The Missouri Bank Ii CD rates not competitive?

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

Is The Missouri Bank Ii a commercial bank?

Yes

Where are The Missouri Bank Ii locations?

See branch locations nearby.

Is The Missouri Bank Ii open on Saturdays?

Is The Missouri Bank Ii open on Sundays?

What time does The Missouri Bank Ii open?

What time does The Missouri Bank Ii close?

Are The Missouri Bank Ii ATMs Open 24/7?

Do The Missouri Bank Ii ATMs accept cash deposits?

Can The Missouri Bank Ii customers use other ATMs?

Do The Missouri Bank Ii branches have notaries?

Will The Missouri Bank Ii notarize my document?

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

Will the The Missouri Bank Ii branch print checks?

Do The Missouri Bank Ii checks expire?

Does The Missouri Bank Ii require US citizenship to open account?

Can The Missouri Bank Ii close my account?

Does The Missouri Bank Ii Report to credit bureaus?

Does The Missouri Bank Ii Use Equifax?

What is The Missouri Bank Ii's ACH Routing Number?

What is The Missouri Bank Ii's SWIFT code?

Products

Does The Missouri Bank Ii offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Missouri Bank Ii offer personal loans?

Compare personal loan rates here.

Does The Missouri Bank Ii offer student loans?

Will The Missouri Bank Ii cash a check?

Will The Missouri Bank Ii redeem a savings bond?

Does The Missouri Bank Ii cash savings bonds?

Will The Missouri Bank Ii cash money orders?

Can The Missouri Bank Ii issue a money order?

Does The Missouri Bank Ii do currency exchange?

Background on The Bank

Who owns The Missouri Bank Ii?

How long has The Missouri Bank Ii been around?

Can The Missouri Bank Ii transfer to other banks?

Does The Missouri Bank Ii have quick pay?

Does The Missouri Bank Ii accept rolled coins?

Will The Missouri Bank Ii accept loose change?

Where is The Missouri Bank Ii headquarters?

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