The Bank Of Missouri Mortgage Rates, Fees & Info
Perryville, MO
LEI: 549300JE6M4A1G4LPS75
Tax ID: 43-0170190
5 stars
-
out of 5 stars, based on 35 reviews
Jump to:
Mortgage Data
Bank Data
Overview
The Bank Of Missouri is a
smaller
bank
specializing in
Home Purchase and Refi loans.
The Bank Of Missouri has a high proportion of conventional loans.
Their top markets include Springfield, Cape Girardeau, Columbia, Naples, and Sikeston among others. The Bank Of Missouri has
an average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
The Bank Of Missouri is typically
a low fee
lendor.
Originations
1,213
Origination Dollar Volume (All Markets)
$284,985,000
Employee count
537
Show all (10) awards
×
The Bank of Missouri - 2021
The Bank of Missouri is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
Work for The Bank of Missouri?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
![]()
Relative Rate
The Bank Of Missouri's average 30 year fixed rate mortgage of loans were
2.91%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.24%.
Relative Fees
The Bank Of Missouri's average total fees for a 30 year fixed rate
mortgage are $2,529.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
SPRINGFIELD, MO (FHA|USDA|VA)
|
331
|
$71,215,000 |
$215,151 |
$2,480 |
3.04% |
|
Outside of Metro Areas
|
293 |
$55,105,000 |
$188,072 |
$2,435 |
2.96% |
|
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA)
|
230
|
$49,900,000 |
$216,957 |
$2,419 |
2.99% |
|
COLUMBIA, MO (FHA|USDA|VA)
|
130
|
$45,000,000 |
$346,154 |
$2,166 |
2.97% |
|
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA)
|
1
|
$13,225,000 |
$13,225,000 |
$0 |
3.27% |
|
Sikeston, MO (FHA|USDA|VA)
|
49
|
$8,415,000 |
$171,735 |
$2,427 |
3.20% |
|
Branson, MO (FHA|USDA|VA)
|
36
|
$7,470,000 |
$207,500 |
$2,520 |
3.11% |
|
Fort Leonard Wood, MO (FHA|USDA|VA)
|
19
|
$5,355,000 |
$281,842 |
$3,289 |
3.56% |
|
ST. LOUIS, MO-IL (FHA|USDA|VA)
|
19
|
$4,225,000 |
$222,368 |
$2,607 |
2.95% |
|
Poplar Bluff, MO (FHA|USDA|VA)
|
20
|
$4,020,000 |
$201,000 |
$2,462 |
3.05% |
|
KANSAS CITY, MO-KS (FHA|USDA|VA)
|
8
|
$2,250,000 |
$281,250 |
$2,723 |
3.10% |
|
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
2
|
$2,150,000 |
$1,075,000 |
$6,629 |
3.06% |
|
Mexico, MO (FHA|USDA|VA)
|
15
|
$1,905,000 |
$127,000 |
$2,099 |
3.63% |
|
JEFFERSON CITY, MO (FHA|USDA|VA)
|
6
|
$1,820,000 |
$303,333 |
$2,085 |
3.45% |
|
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA)
|
5
|
$1,705,000 |
$341,000 |
$2,807 |
2.58% |
|
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA)
|
2
|
$1,400,000 |
$700,000 |
$9,320 |
2.38% |
|
WACO, TX (FHA|USDA|VA)
|
5
|
$975,000 |
$195,000 |
$0 |
4.01% |
|
Blytheville, AR (FHA|USDA|VA)
|
2
|
$960,000 |
$480,000 |
$2,121 |
3.08% |
|
Rolla, MO (FHA|USDA|VA)
|
6
|
$950,000 |
$158,333 |
$2,506 |
3.21% |
|
Greenwood, SC (FHA|USDA|VA)
|
1
|
$805,000 |
$805,000 |
$0 |
3.40% |
|
Paragould, AR (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$0 |
3.90% |
|
Farmington, MO (FHA|USDA|VA)
|
3
|
$515,000 |
$171,667 |
$2,724 |
3.10% |
|
SPARTANBURG, SC (FHA|USDA|VA)
|
1
|
$475,000 |
$475,000 |
$3,971 |
3.25% |
|
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA)
|
1
|
$445,000 |
$445,000 |
$3,628 |
3.88% |
|
Dyersburg, TN (FHA|USDA|VA)
|
2
|
$370,000 |
$185,000 |
$2,904 |
2.81% |
|
PANAMA CITY, FL (FHA|USDA|VA)
|
1
|
$365,000 |
$365,000 |
$3,767 |
3.00% |
|
JOPLIN, MO (FHA|USDA|VA)
|
1
|
$365,000 |
$365,000 |
$2,203 |
3.25% |
|
Lebanon, MO (FHA|USDA|VA)
|
2
|
$310,000 |
$155,000 |
$2,724 |
3.31% |
|
TULSA, OK (FHA|USDA|VA)
|
2
|
$310,000 |
$155,000 |
$3,287 |
3.00% |
|
CARBONDALE-MARION, IL (FHA|USDA|VA)
|
1
|
$255,000 |
$255,000 |
$2,908 |
2.88% |
|
CLARKSVILLE, TN-KY (FHA|USDA|VA)
|
1
|
$235,000 |
$235,000 |
$2,967 |
2.38% |
|
Mount Vernon, IL (FHA|USDA|VA)
|
1
|
$175,000 |
$175,000 |
$3,234 |
2.50% |
|
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)
|
1
|
$165,000 |
$165,000 |
$2,418 |
3.25% |
|
Kennett, MO (FHA|USDA|VA)
|
2
|
$160,000 |
$80,000 |
$1,241 |
3.65% |
|
JACKSONVILLE, FL (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,888 |
3.25% |
|
Mountain Home, AR (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,668 |
3.25% |
|
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$2,839 |
2.63% |
|
Sterling, IL (FHA|USDA|VA)
|
2
|
$150,000 |
$75,000 |
$0 |
3.95% |
|
JONESBORO, AR (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$2,590 |
2.38% |
|
Kirksville, MO (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$2,730 |
2.38% |
|
Murray, KY (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$2,902 |
2.88% |
|
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$1,863 |
4.50% |
|
TUSCALOOSA, AL (FHA|USDA|VA)
|
1
|
$115,000 |
$115,000 |
$0 |
3.75% |
|
Ottawa, IL (FHA|USDA|VA)
|
1
|
$75,000 |
$75,000 |
$0 |
3.95% |
|
Union City, TN (FHA|USDA|VA)
|
1
|
$55,000 |
$55,000 |
$2,420 |
3.25% |
|
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA)
|
1
|
$45,000 |
$45,000 |
$2,209 |
2.38% |
The Bank Of Missouri's top markets include Springfield, Cape Girardeau, Columbia, Naples, and Sikeston among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
1,212 |
$284,740,000 |
$234,934 |
$2,456 |
3.03% |
| VA |
1 |
$245,000 |
$245,000 |
$10,439 |
3.38% |
For the 2021 period, The Bank Of Missouri's most frequently
originated loan type
of loans were Conventional, with 1,212 originations.
Their 2nd most popular type is VA,
with 1 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
600 |
$131,330,000 |
$218,883 |
$2,592 |
3.19% |
| Refi |
461 |
$125,365,000 |
$271,941 |
$2,309 |
2.85% |
| Cash Out Refi |
105 |
$18,435,000 |
$175,571 |
$2,512 |
2.95% |
| Other |
25 |
$4,195,000 |
$167,800 |
$2,352 |
2.92% |
| Home Improvement |
22 |
$5,660,000 |
$257,273 |
$2,595 |
3.41% |
For the 2021, The Bank Of Missouri's most frequently cited loan
purpose
of loans were Home Purchase, with 600
originations.
The 2nd most popular reason of loans were Refi,
with 461 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
751 |
$164,075,000 |
$218,475 |
$2,529 |
2.91% |
| 15 Year |
243 |
$40,895,000 |
$168,292 |
$2,303 |
2.70% |
| 20 Year |
96 |
$18,420,000 |
$191,875 |
$2,392 |
3.72% |
| Other |
53 |
$35,895,000 |
$677,264 |
$2,240 |
3.76% |
| 5 Year |
31 |
$10,385,000 |
$335,000 |
$0 |
4.12% |
| 10 Year |
19 |
$12,325,000 |
$648,684 |
$1,995 |
4.01% |
| 1 Year |
12 |
$2,300,000 |
$191,667 |
$1,901 |
4.09% |
| 3 Year |
7 |
$565,000 |
$80,714 |
$0 |
4.08% |
| 30+ year |
1 |
$125,000 |
$125,000 |
$0 |
4.76% |
For the 2021, The Bank Of Missouri's most frequently cited loan
length
of loans were 30 Year, with 751 originations.
The 2nd most popular length of loans were 15 Year,
with 243 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
615 |
$117,825,000 |
$191,585 |
| $1k-2k |
395 |
$81,175,000 |
$205,506 |
| $2k-3k |
10 |
$4,160,000 |
$416,000 |
| $3k-4k |
5 |
$6,215,000 |
$1,243,000 |
$2,529 of loans were The Bank Of Missouri's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 615 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| <2.5% |
383 |
$79,745,000 |
$208,211 |
| 3-4% |
370 |
$95,890,000 |
$259,162 |
| 2.5-3% |
360 |
$92,690,000 |
$257,472 |
| 4-5% |
91 |
$14,775,000 |
$162,363 |
| 5-6% |
7 |
$1,785,000 |
$255,000 |
| 6-7% |
2 |
$100,000 |
$50,000 |
During 2021, The Bank Of Missouri's average interest
rate of loans were 2.91%, while their
most frequently originated rate bucket of loans were <2.5%,
with 383 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-200k |
466 |
$67,870,000 |
$145,644 |
$2,334 |
3.03% |
| $200k-400k |
376 |
$101,250,000 |
$269,282 |
$2,578 |
2.89% |
| $100,000 or less |
265 |
$18,095,000 |
$68,283 |
$2,137 |
3.24% |
| $400k-600k |
61 |
$28,695,000 |
$470,410 |
$3,059 |
2.87% |
| $600k-1MM |
31 |
$24,525,000 |
$791,129 |
$4,009 |
3.19% |
| $1MM+ |
14 |
$44,550,000 |
$3,182,143 |
$8,272 |
3.50% |
2021 saw The Bank Of Missouri place emphasis on
$100k-200k loans
with 466 originations, totaling
$67,870,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $50k or less |
265 |
$30,365,000 |
$114,585 |
$2,373 |
3.02% |
| $50k-75k |
223 |
$36,355,000 |
$163,027 |
$2,437 |
2.98% |
| $75k-100k |
173 |
$32,215,000 |
$186,214 |
$2,450 |
2.86% |
| $100k-150k |
170 |
$38,300,000 |
$225,294 |
$2,536 |
2.98% |
| $150k-250k |
98 |
$30,430,000 |
$310,510 |
$2,778 |
2.95% |
| $250k+ |
57 |
$27,935,000 |
$490,088 |
$3,191 |
2.86% |
The Bank Of Missouri lent most frequently to those with incomes in the
$50k or less range, with
265 originations.
The second most popular income band? $50k-75k,
with 223 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
312 |
$65,400,000 |
$209,615 |
$2,454 |
2.84% |
| 30-36% |
200 |
$38,820,000 |
$194,100 |
$2,449 |
2.83% |
| <20% |
169 |
$35,375,000 |
$209,320 |
$2,461 |
2.69% |
| 41% |
45 |
$9,815,000 |
$218,111 |
$2,451 |
2.78% |
| 36% |
43 |
$10,045,000 |
$233,605 |
$2,583 |
2.92% |
| 42% |
40 |
$9,670,000 |
$241,750 |
$2,617 |
2.84% |
| 39% |
37 |
$6,605,000 |
$178,514 |
$2,343 |
2.93% |
| 38% |
32 |
$6,140,000 |
$191,875 |
$2,458 |
2.91% |
| 40% |
29 |
$6,505,000 |
$224,310 |
$2,537 |
2.88% |
| 37% |
25 |
$5,165,000 |
$206,600 |
$2,477 |
2.79% |
| 44% |
23 |
$3,855,000 |
$167,609 |
$2,457 |
3.29% |
| 43% |
22 |
$3,660,000 |
$166,364 |
$2,516 |
3.30% |
| 45% |
15 |
$2,765,000 |
$184,333 |
$2,712 |
3.23% |
| 50-60% |
12 |
$2,060,000 |
$171,667 |
$2,329 |
3.47% |
| 47% |
8 |
$1,400,000 |
$175,000 |
$2,348 |
2.89% |
| 48% |
7 |
$1,105,000 |
$157,857 |
$2,560 |
3.00% |
| 49% |
7 |
$735,000 |
$105,000 |
$2,187 |
3.02% |
| >60% |
7 |
$1,435,000 |
$205,000 |
$2,184 |
3.94% |
| 46% |
5 |
$725,000 |
$145,000 |
$2,312 |
3.00% |
The Bank Of Missouri lent most frequently to those with DTI ratios
of 20-30%, with
312 originations.
The next most common DTI ratio? 30-36%,
with 200 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
1,024 |
$205,000,000 |
$200,195 |
$2,460 |
2.93% |
| Not applicable |
123 |
$66,275,000 |
$538,821 |
$0 |
3.93% |
| Not provided |
44 |
$10,510,000 |
$238,864 |
$2,645 |
2.80% |
| Black |
10 |
$1,000,000 |
$100,000 |
$2,089 |
4.04% |
| Asian |
5 |
$935,000 |
$187,000 |
$1,844 |
2.58% |
| American Indian |
4 |
$460,000 |
$115,000 |
$2,434 |
3.20% |
| Native Hawaiian |
1 |
$375,000 |
$375,000 |
$3,114 |
2.38% |
| Chinese |
1 |
$305,000 |
$305,000 |
$2,544 |
2.38% |
| Filipino |
1 |
$125,000 |
$125,000 |
$2,902 |
2.88% |
Approval Rates
Total approvals of all applications
87.69%
The Bank Of Missouri has an average approval rate.
Pick Rate
Approvals leading to origination
73.24%
The Bank Of Missouri has a below average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| 116.5 |
4 |
$380,000 |
$95,000 |
| NA |
1,209 |
$284,605,000 |
$235,405 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
1,213 |
$284,985,000 |
$234,942 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
92 |
$12,540,000 |
$136,304 |
$2,107 |
2.80% |
| 40-60% |
220 |
$44,240,000 |
$201,091 |
$2,385 |
2.85% |
| 60-80% |
551 |
$140,195,000 |
$254,437 |
$2,483 |
3.05% |
| 80-100% |
327 |
$83,925,000 |
$256,651 |
$2,583 |
3.15% |
| Over 100% |
3 |
$875,000 |
$291,667 |
$7,033 |
3.75% |
| Under 20% |
20 |
$3,210,000 |
$160,500 |
$1,887 |
3.66% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| TD BANK US HOLDING COMPANY |
Conventional home mortgage |
Applying for a mortgage or refinancing an existing mortgage |
24 |
16.9% |
| TD BANK US HOLDING COMPANY |
Conventional home mortgage |
Closing on a mortgage |
13 |
9.2% |
| TD BANK US HOLDING COMPANY |
Conventional home mortgage |
Improper use of your report |
1 |
0.7% |
| TD BANK US HOLDING COMPANY |
Conventional home mortgage |
Incorrect information on your report |
4 |
2.8% |
| TD BANK US HOLDING COMPANY |
Conventional home mortgage |
Struggling to pay mortgage |
6 |
4.2% |
| TD BANK US HOLDING COMPANY |
Conventional home mortgage |
Trouble during payment process |
37 |
26.1% |
| TD BANK US HOLDING COMPANY |
FHA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
0.7% |
| TD BANK US HOLDING COMPANY |
FHA mortgage |
Struggling to pay mortgage |
2 |
1.4% |
| TD BANK US HOLDING COMPANY |
FHA mortgage |
Trouble during payment process |
1 |
0.7% |
| TD BANK US HOLDING COMPANY |
Home equity loan or line of credit (HELOC) |
Applying for a mortgage or refinancing an existing mortgage |
15 |
10.6% |
| TD BANK US HOLDING COMPANY |
Home equity loan or line of credit (HELOC) |
Closing on a mortgage |
6 |
4.2% |
| TD BANK US HOLDING COMPANY |
Home equity loan or line of credit (HELOC) |
Incorrect information on your report |
1 |
0.7% |
| TD BANK US HOLDING COMPANY |
Home equity loan or line of credit (HELOC) |
Struggling to pay mortgage |
2 |
1.4% |
| TD BANK US HOLDING COMPANY |
Home equity loan or line of credit (HELOC) |
Trouble during payment process |
11 |
7.7% |
| TD BANK US HOLDING COMPANY |
Other type of mortgage |
Applying for a mortgage or refinancing an existing mortgage |
7 |
4.9% |
| TD BANK US HOLDING COMPANY |
Other type of mortgage |
Closing on a mortgage |
1 |
0.7% |
| TD BANK US HOLDING COMPANY |
Other type of mortgage |
Struggling to pay mortgage |
1 |
0.7% |
| TD BANK US HOLDING COMPANY |
Other type of mortgage |
Trouble during payment process |
6 |
4.2% |
| TD BANK US HOLDING COMPANY |
VA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
2 |
1.4% |
| TD BANK US HOLDING COMPANY |
VA mortgage |
Trouble during payment process |
1 |
0.7% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| The Bank of Missouri |
101 West Main Street Steele, MO 63877 |
Full Service B&M
|
$49,360 |
| The Bank of Missouri |
2760 South Kansas Expressway Springfield, MO 65807 |
Full Service B&M
|
$17,713 |
| The Bank of Missouri |
2920 E Chestnut Expressway Springfield, MO 65802 |
Full Service B&M
|
$29,732 |
| The Bank of Missouri |
308 Conrad Ave Marble Hill, MO 63764 |
Full Service B&M
|
$75,362 |
| The Bank of Missouri |
315 Crites Scott City, MO 63780 |
Full Service B&M
|
$78,021 |
| The Bank of Missouri |
3427 William Street Cape Girardeau, MO 63701 |
Full Service B&M
|
$170,852 |
| The Bank of Missouri |
3610 Buttonwood Columbia, MO 65203 |
Full Service B&M
|
$213,070 |
| The Bank of Missouri |
372 South Kingshighway Cape Girardeau, MO 63703 |
Full Service B&M
|
$22,552 |
| The Bank of Missouri |
3807 South Campbell Springfield, MO 65807 |
Full Service B&M
|
$40,652 |
| The Bank of Missouri |
40 North Main Street Fair Grove, MO 65648 |
Full Service B&M
|
$25,063 |
| The Bank of Missouri |
400 South Muldrow Mexico, MO 65265 |
Full Service B&M
|
$80,023 |
| The Bank of Missouri |
434 State Highway Y Saint Robert, MO 65584 |
Full Service B&M
|
$46,756 |
| The Bank of Missouri |
440 Broadway Street Cape Girardeau, MO 63701 |
Full Service B&M
|
$10,579 |
| The Bank of Missouri |
495 South Springfield Avenue Bolivar, MO 65613 |
Full Service B&M
|
$151,452 |
| The Bank of Missouri |
500 North Route B Hallsville, MO 65255 |
Full Service B&M
|
$6,616 |
| The Bank of Missouri |
520 East Elm Avenue Republic, MO 65738 |
Full Service B&M
|
$88,913 |
| The Bank of Missouri |
916 North Kings Highway Perryville, MO 63775 |
Full Service B&M
|
$307,211 |
| The Bank of Missouri |
960 South Bishop Avenue Rolla, MO 65401 |
Full Service B&M
|
$64,979 |
| The Bank of Missouri |
Highways 72 And 51 Patton, MO 63662 |
Limited, Drive-thru
|
$20,855 |
| The Bank of Missouri |
1301 West Jefferson Street Marshfield, MO 65706 |
Full Service B&M
|
$3,654 |
| The Bank of Missouri |
1301 West South Street Ozark, MO 65721 |
Full Service B&M
|
$65,662 |
| The Bank of Missouri |
1313 State Hwy 248 Branson, MO 65616 |
Full Service B&M
|
$79,836 |
| The Bank of Missouri |
1339 East Republic Road, Suite A Springfield, MO 65804 |
Full Service B&M
|
$35,764 |
| The Bank of Missouri |
1465 North Westwood Blvd Poplar Bluff, MO 63901 |
Full Service B&M
|
$15,566 |
| The Bank of Missouri |
1622 North Kingshighway Cape Girardeau, MO 63701 |
Full Service B&M
|
$73,022 |
| The Bank of Missouri |
18 West Sainte Maries Street Perryville, MO 63775 |
Limited, Drive-thru
|
$0 |
| The Bank of Missouri |
2126 West Broadway Bolivar, MO 65613 |
Full Service B&M
|
$54,926 |
| The Bank of Missouri |
214 South Allen Street Centralia, MO 65240 |
Full Service B&M
|
$28,490 |
| The Bank of Missouri |
216 West Second Street Dixon, MO 65459 |
Full Service B&M
|
$62,537 |
| The Bank of Missouri |
233 West Jackson Boulevard Jackson, MO 63755 |
Full Service B&M
|
$102,412 |
| The Bank of Missouri |
2360 East Sunshine Road Springfield, MO 65804 |
Full Service B&M
|
$59,678 |
| The Bank of Missouri |
2492 East Main Street Jackson, MO 63755 |
Full Service B&M
|
$36,194 |
| The Bank of Missouri |
106 East Hudson Wellsville, MO 63384 |
Full Service B&M
|
$11,401 |
| The Bank of Missouri |
107 West Kellett St Martinsburg, MO 65264 |
Full Service B&M
|
$44,316 |
| The Bank of Missouri |
1209 W 3rd St, Highway 84 Caruthersville, MO 63830 |
Full Service B&M
|
$41,989 |
| The Bank of Missouri |
1265 Aguilar Drive Montgomery City, MO 63361 |
Full Service B&M
|
$28,433 |
For 2021, The Bank Of Missouri had 36 branches.
Yearly Performance Overview
Bank Income
The Bank Of Missouri's gross interest income from loans was $90,636,000.
The Bank Of Missouri's net interest income from loans was $83,159,000.
The Bank Of Missouri's fee based income from loans was $4,013,000.
The Bank Of Missouri's net income from loans was $37,886,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$7,477 |
| Provision for credit losses |
$1,600 |
| Total noninterest expense |
$83,225 |
| Salaries and employee benefits |
$51,764 |
| Premises and equipment expense |
$7,425 |
| Additional noninterest expense |
$24,036 |
| Applicable income taxes |
$6,305 |
| Net charge-offs |
$897 |
| Cash dividends |
$5,000 |
The Bank Of Missouri's interest expense for loans was $7,477,000.
The Bank Of Missouri's payroll and benefits expense were $51,764,000.
The Bank Of Missouri's property, plant and equipment expenses $7,425,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$2,401,885 |
| Deposits held in domestic offices |
$2,401,885 |
| Deposits by Individuals, partnerships, and corporations |
$2,100,818 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$274,794 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$26,273 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$777,084 |
| Demand deposits |
$526,728 |
| Nontransaction accounts |
$1,624,801 |
| Money market deposit accounts (MMDAs) |
$1,023,677 |
| Other savings deposits (excluding MMDAs) |
$289,668 |
| Total time deposits |
$311,456 |
| Total time and savings deposits |
$1,875,157 |
| Noninterest-bearing deposits |
$641,154 |
| Interest-bearing deposits |
$1,760,731 |
| Retail deposits |
$2,316,464 |
| IRAs and Keogh plan accounts |
$47,618 |
| Brokered deposits |
$6,202 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$2,818,411 |
| Cash & Balances due from depository institutions |
$301,565 |
| Interest-bearing balances |
$275,802 |
| Total securities |
$673,442 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$1,667,177 |
| Loan and leases loss allowance |
$22,806 |
| Trading account assets |
$1,945 |
| Bank premises and fixed assets |
$41,358 |
| Other real estate owned |
$668 |
| Goodwill and other intangibles |
$46,735 |
| All other assets |
$85,521 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$2,818,411 |
| Total Liabilities |
$2,498,533 |
| Total deposits |
$2,401,885 |
| Interest-bearing deposits |
$1,760,731 |
| Deposits held in domestic offices |
$2,401,885 |
| % insured (estimated) |
$67 |
| Federal funds purchased and repurchase agreements |
$26,317 |
| Trading liabilities |
$1,945 |
| Other borrowed funds |
$50,000 |
| Subordinated debt |
$0 |
| All other liabilities |
$18,386 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$1,667,177 |
| Loan and leases loss allowance |
$22,806 |
| Total loans and leases (domestic) |
$1,689,983 |
| All real estate loans |
$1,384,843 |
| Real estate loans in domestic offices |
$1,384,843 |
| Construction and development loans |
$119,455 |
| Residential 1-4 family construction |
$30,898 |
| Other construction, all land development and other land |
$88,557 |
| Loans secured by nonfarm nonresidential properties |
$504,772 |
| Nonfarm nonresidential secured by owner-occupied properties |
$229,705 |
| Commercial real estate & other non-farm, non-residential |
$275,067 |
| Multifamily residential real estate |
$93,921 |
| 1-4 family residential loans |
$532,513 |
| Farmland loans |
$134,182 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$37,617 |
| Commercial and industrial loans |
$201,853 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$56,776 |
| Credit card loans |
$18,884 |
| Related Plans |
$2,669 |
| Consumer Auto Loans |
$9,468 |
| Other loans to individuals |
$25,755 |
| All other loans & leases |
$10,078 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$407 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$963 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$8,854 |
| Non 1-4 family restructured loans & leases |
$7,001 |
| Total loans and leases (foreign) |
$0 |
The Bank of Missouri had $1,667,177,000 of loans outstanding in 2021. $1,384,843,000 of loans were in real estate loans.
$119,455,000 of loans were in development loans. $93,921,000 of loans were in multifamily mortgage loans.
$532,513,000 of loans were in 1-4 family mortgage loans. $37,617,000 of loans were in farm loans. $18,884,000
of loans were in credit card loans. $9,468,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
695 |
$132,167 |
$190,168 |
| Nonfarm, nonresidential loans - <$100k |
180 |
$6,992 |
$38,844 |
| Nonfarm, nonresidential loans - $100-250k |
212 |
$23,523 |
$110,958 |
| Nonfarm, nonresidential loans - $250k-1MM |
303 |
$101,652 |
$335,485 |
| Commercial & Industrial, US addressed loans - <$1MM |
1,191 |
$86,155 |
$72,338 |
| Commercial & Industrial, US addressed loans - <$100k |
791 |
$18,729 |
$23,678 |
| Commercial & Industrial, US addressed loans - $100-250k |
231 |
$21,093 |
$91,312 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
169 |
$46,333 |
$274,160 |
| Farmland loans - <$1MM |
413 |
$46,609 |
$112,855 |
| Farmland loans - <$100k |
172 |
$6,762 |
$39,314 |
| Farmland loans - $100-250k |
167 |
$20,458 |
$122,503 |
| Farmland loans - $250k-1MM |
74 |
$19,389 |
$262,014 |
| Agriculture operations loans - <$1MM |
468 |
$20,190 |
$43,141 |
| Agriculture operations loans - <$100k |
360 |
$6,936 |
$19,267 |
| Agriculture operations loans - $100-250k |
73 |
$6,914 |
$94,712 |
| Agriculture operations loans - $250k-1MM |
35 |
$6,340 |
$181,143 |
