The Bank Of Missouri Mortgage Rates, Fees & Info

Perryville, MO

LEI: 549300JE6M4A1G4LPS75

Tax ID: 43-0170190

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Springfield, Cape Girardeau, Columbia, Sikeston, and Branson among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Bank Of Missouri has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Bank Of Missouri is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.90% 12/16/24
    30 Year Conventional Refi 6.77% 12/16/24
    30 Year Cash-out Refi 6.98% 12/16/24
    30 Year FHA Purchase 6.27% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 6.27% 12/16/24
    30 Year USDA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 5.99% 12/16/24
    15 Year Conventional Refi 6.28% 12/16/24
    15 Year Cash-out Refi 6.28% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The Bank Of Missouri Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Bank Of Missouri. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,091

    Origination Dollar Volume (All Markets)

    $253,085,000

    Employee count

    511 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SPRINGFIELD, MO (FHA|USDA|VA) 210 $61,800,000 $294,286 $2,392 3.22%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 269 $53,865,000 $200,242 $2,343 3.31%
    COLUMBIA, MO (FHA|USDA|VA) 112 $48,200,000 $430,357 $2,246 3.42%
    Outside of Metro Areas 268 $41,160,000 $153,582 $2,240 3.34%
    Sikeston, MO (FHA|USDA|VA) 61 $10,355,000 $169,754 $2,367 3.33%
    Branson, MO (FHA|USDA|VA) 33 $6,795,000 $205,909 $2,250 3.44%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 21 $5,045,000 $240,238 $2,670 3.25%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $4,390,000 $2,195,000 $8,392 3.44%
    Fort Leonard Wood, MO (FHA|USDA|VA) 22 $4,340,000 $197,273 $2,065 4.12%
    Poplar Bluff, MO (FHA|USDA|VA) 20 $3,510,000 $175,500 $2,388 3.60%
    Mexico, MO (FHA|USDA|VA) 23 $2,375,000 $103,261 $2,061 3.79%
    JEFFERSON CITY, MO (FHA|USDA|VA) 11 $1,875,000 $170,455 $2,235 4.14%
    Rolla, MO (FHA|USDA|VA) 7 $1,815,000 $259,286 $2,803 3.65%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,508 3.15%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,140,000 $570,000 $5,322 3.88%
    Blytheville, AR (FHA|USDA|VA) 2 $530,000 $265,000 $2,308 4.98%
    Paragould, AR (FHA|USDA|VA) 1 $515,000 $515,000 $0 4.89%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $435,000 $435,000 $0 4.50%
    COLUMBUS, OH (FHA|USDA|VA) 1 $425,000 $425,000 $3,337 2.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $420,000 $210,000 $2,904 3.00%
    WACO, TX (FHA|USDA|VA) 2 $400,000 $200,000 $2,282 3.71%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $3,484 3.38%
    Dyersburg, TN (FHA|USDA|VA) 3 $335,000 $111,667 $2,788 3.79%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,132 2.75%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $0 4.50%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $215,000 $215,000 $2,777 2.75%
    TOLEDO, OH (FHA|USDA|VA) 1 $205,000 $205,000 $2,826 3.25%
    Lebanon, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,868 2.75%
    Harrison, AR (FHA|USDA|VA) 2 $180,000 $90,000 $2,359 3.32%
    Kennett, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,288 3.75%
    Hannibal, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,252 3.25%
    Farmington, MO (FHA|USDA|VA) 1 $135,000 $135,000 $3,019 2.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,504 5.00%
    The Bank Of Missouri's top markets include Springfield, Cape Girardeau, Columbia, Sikeston, and Branson among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Bank of Missouri based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    MISSOURI Credit Union
    Similarity Rank: 76
    First Midwest Bank of Poplar Bluff
    Similarity Rank: 144
    Sullivan Bank
    Similarity Rank: 154
    First Midwest Bank of Dexter
    Similarity Rank: 156
    WEST COMMUNITY
    Similarity Rank: 336
    The First National Bank of Fort Smith
    Similarity Rank: 468
    FIRST WESTERN MORTGAGE, INC.
    Similarity Rank: 585
    Jefferson Bank of Missouri
    Similarity Rank: 720
    Central Bank of Boone County
    Similarity Rank: 861
    ARKANSAS Federal Credit Union
    Similarity Rank: 920

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,091 $253,085,000 $231,975 $2,341 3.36%

    For 2020, The Bank Of Missouri's most frequently originated type of loan was Conventional, with 1,091 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 456 $99,440,000 $218,070 $2,433 3.55%
    Refi 456 $123,980,000 $271,886 $2,241 3.19%
    Cash Out Refi 141 $25,465,000 $180,603 $2,396 3.14%
    Home Improvement 22 $1,540,000 $70,000 $2,042 4.21%
    Other 16 $2,660,000 $166,250 $2,572 3.80%

    For 2020, The Bank Of Missouri's most frequently cited loan purpose was Home Purchase, with 456 originations. The 2nd most popular reason was Refi, with 456 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 592 $126,270,000 $213,294 $2,400 3.24%
    15 Year 260 $46,350,000 $178,269 $2,254 3.12%
    20 Year 121 $23,885,000 $197,397 $2,272 3.48%
    Other 47 $10,185,000 $216,702 $2,089 4.38%
    5 Year 26 $11,030,000 $424,231 $1,769 4.55%
    10 Year 26 $33,030,000 $1,270,385 $1,810 4.04%
    1 Year 12 $1,590,000 $132,500 $2,277 4.78%
    3 Year 7 $745,000 $106,429 $0 4.50%

    For 2020, The Bank Of Missouri's most frequently cited loan duration was 30 Year, with 592 originations. The 2nd most popular length was 15 Year, with 260 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 554 $107,020,000 $193,177
    $<1k 363 $65,505,000 $180,455
    $2k-3k 7 $3,555,000 $507,857
    $3k-4k 1 $365,000 $365,000
    $5k+ 1 $4,005,000 $4,005,000

    The Bank Of Missouri's average total fees were $2,400, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 554 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 474 $100,300,000 $211,603
    2.5-3% 352 $92,400,000 $262,500
    4-5% 134 $35,810,000 $267,239
    <2.5% 95 $19,935,000 $209,842
    5-6% 29 $4,305,000 $148,448
    6-7% 4 $130,000 $32,500
    7-8% 1 $35,000 $35,000

    During 2020, The Bank Of Missouri's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 474 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 466 $69,090,000 $148,262 $2,270 3.22%
    $200k-400k 295 $79,055,000 $267,983 $2,492 3.19%
    $100,000 or less 258 $17,100,000 $66,279 $2,049 3.77%
    $400k-600k 40 $18,970,000 $474,250 $2,845 3.27%
    $600k-1MM 17 $13,695,000 $805,588 $3,619 3.78%
    $1MM+ 15 $55,175,000 $3,678,333 $5,437 3.91%

    2020 saw The Bank Of Missouri place emphasis on $100k-200k loans with 466 originations, totaling $69,090,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 232 $35,500,000 $153,017 $2,345 3.28%
    $50k or less 214 $21,660,000 $101,215 $2,233 3.47%
    $75k-100k 149 $29,045,000 $194,933 $2,436 3.20%
    $100k-150k 148 $31,590,000 $213,446 $2,444 3.23%
    $150k-250k 87 $24,045,000 $276,379 $2,597 3.24%
    $250k+ 35 $17,995,000 $514,143 $2,857 3.59%

    The Bank Of Missouri lent most frequently to those with incomes in the $50k-75k range, with 232 originations. The second most popular income band? $50k or less, with 214 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 270 $47,660,000 $176,519 $2,258 3.14%
    30-36% 179 $34,565,000 $193,101 $2,357 3.15%
    <20% 116 $28,660,000 $247,069 $2,434 3.02%
    40% 44 $8,310,000 $188,864 $2,418 3.45%
    36% 43 $7,935,000 $184,535 $2,386 3.19%
    41% 39 $8,645,000 $221,667 $2,319 3.31%
    42% 35 $6,375,000 $182,143 $2,282 3.18%
    43% 32 $7,010,000 $219,063 $2,358 3.31%
    39% 31 $5,955,000 $192,097 $2,423 3.33%
    37% 31 $5,585,000 $180,161 $2,346 3.16%
    38% 26 $4,790,000 $184,231 $2,369 3.42%
    44% 25 $5,185,000 $207,400 $2,395 3.20%
    45% 16 $2,510,000 $156,875 $2,460 3.33%
    46% 14 $2,800,000 $200,000 $2,446 3.35%
    48% 7 $1,135,000 $162,143 $2,443 3.29%
    50-60% 7 $1,655,000 $236,429 $2,319 3.29%
    >60% 7 $655,000 $93,571 $2,022 3.81%
    47% 6 $1,160,000 $193,333 $2,550 3.22%
    49% 5 $1,015,000 $203,000 $2,206 3.10%

    The Bank Of Missouri lent most frequently to those with DTI ratios of 20-30%, with 270 originations. The next most common DTI ratio? 30-36%, with 179 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 937 $175,275,000 $187,060 $2,328 3.26%
    Not applicable 105 $65,265,000 $621,571 $0 4.26%
    Not provided 30 $8,530,000 $284,333 $2,592 3.18%
    Black 12 $2,480,000 $206,667 $2,712 4.05%
    American Indian 4 $840,000 $210,000 $2,641 3.03%
    Native Hawaiian or Islander 1 $365,000 $365,000 $2,246 2.50%
    Asian Indian 1 $205,000 $205,000 $2,607 3.00%
    Asian 1 $125,000 $125,000 $1,300 2.75%

    Approval Rates

    Total approvals of all applications
    88.94%

    The Bank Of Missouri has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.33%

    The Bank Of Missouri has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    116.5 1 $155,000 $155,000
    NA 1,090 $252,930,000 $232,046

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 33 $55,015,000 $1,667,121
    Single Family (1-4 Units):Manufactured 5 $385,000 $77,000
    Single Family (1-4 Units):Site-Built 1,053 $197,685,000 $187,735

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 66 $7,780,000 $117,879 $1,985 3.53%
    40-60% 189 $44,115,000 $233,413 $2,367 3.21%
    60-80% 508 $128,360,000 $252,677 $2,332 3.33%
    80-100% 310 $70,850,000 $228,548 $2,429 3.40%
    Over 100% 4 $900,000 $225,000 $2,173 4.91%
    Under 20% 14 $1,080,000 $77,143 $1,736 4.45%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    TD BANK US HOLDING COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 22 14.9%
    TD BANK US HOLDING COMPANY Conventional home mortgage Closing on a mortgage 17 11.5%
    TD BANK US HOLDING COMPANY Conventional home mortgage Credit monitoring or identity theft protection services 1 0.7%
    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 1 0.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Struggling to pay mortgage 4 2.7%
    TD BANK US HOLDING COMPANY Conventional home mortgage Trouble during payment process 51 34.5%
    TD BANK US HOLDING COMPANY FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.4%
    TD BANK US HOLDING COMPANY FHA mortgage Trouble during payment process 3 2.0%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 5 3.4%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Closing on a mortgage 7 4.7%
    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 4 2.7%
    TD BANK US HOLDING COMPANY Home equity loan or line of credit (HELOC) Trouble during payment process 17 11.5%
    TD BANK US HOLDING COMPANY Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.4%
    TD BANK US HOLDING COMPANY Other type of mortgage Closing on a mortgage 2 1.4%
    TD BANK US HOLDING COMPANY Other type of mortgage Trouble during payment process 8 5.4%

    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 $47,094
    The Bank of Missouri 106 East Hudson Wellsville, MO 63384 Full Service B&M $10,232
    The Bank of Missouri 107 West Kellett St Martinsburg, MO 65264 Full Service B&M $35,982
    The Bank of Missouri 1209 W 3rd St, Highway 84 Caruthersville, MO 63830 Full Service B&M $35,903
    The Bank of Missouri 1265 Aguilar Drive Montgomery City, MO 63361 Full Service B&M $23,507
    The Bank of Missouri 1300 W Us Highway 54 Vandalia, MO 63382 Full Service B&M $4,344
    The Bank of Missouri 1301 West South Street Ozark, MO 65721 Full Service B&M $56,838
    The Bank of Missouri 1313 State Hwy 248 Branson, MO 65616 Full Service B&M $68,129
    The Bank of Missouri 1465 North Westwood Blvd Poplar Bluff, MO 63901 Full Service B&M $15,057
    The Bank of Missouri 1622 North Kingshighway Cape Girardeau, MO 63701 Full Service B&M $61,032
    The Bank of Missouri 18 West Sainte Maries Street Perryville, MO 63775 Limited, Drive-thru $0
    The Bank of Missouri 214 South Allen Street Centralia, MO 65240 Full Service B&M $23,120
    The Bank of Missouri 216 West Second Street Dixon, MO 65459 Full Service B&M $51,963
    The Bank of Missouri 233 West Jackson Boulevard Jackson, MO 63755 Full Service B&M $96,492
    The Bank of Missouri 2360 East Sunshine Road Springfield, MO 65804 Full Service B&M $47,222
    The Bank of Missouri 2492 East Main Street Jackson, MO 63755 Full Service B&M $29,502
    The Bank of Missouri 2760 South Kansas Expressway Springfield, MO 65807 Full Service B&M $19,841
    The Bank of Missouri 308 Conrad Ave Marble Hill, MO 63764 Full Service B&M $66,070
    The Bank of Missouri 315 Crites Scott City, MO 63780 Full Service B&M $65,103
    The Bank of Missouri 3427 William Street Cape Girardeau, MO 63701 Full Service B&M $137,495
    The Bank of Missouri 3610 Buttonwood Columbia, MO 65203 Full Service B&M $171,355
    The Bank of Missouri 372 South Kingshighway Cape Girardeau, MO 63703 Full Service B&M $19,870
    The Bank of Missouri 3807 South Campbell Springfield, MO 65807 Full Service B&M $28,903
    The Bank of Missouri 400 South Muldrow Mexico, MO 65265 Full Service B&M $68,457
    The Bank of Missouri 434 State Highway Y Saint Robert, MO 65584 Full Service B&M $34,957
    The Bank of Missouri 440 Broadway Street Cape Girardeau, MO 63701 Full Service B&M $8,987
    The Bank of Missouri 500 North Route B Hallsville, MO 65255 Full Service B&M $6,530
    The Bank of Missouri 520 East Elm Avenue Republic, MO 65738 Full Service B&M $79,561
    The Bank of Missouri 703 N. Mccroskey Street, Suite 3 And 4 Nixa, MO 65714 Full Service B&M $7,082
    The Bank of Missouri 916 North Kings Highway Perryville, MO 63775 Full Service B&M $299,067
    The Bank of Missouri 960 South Bishop Avenue Rolla, MO 65401 Full Service B&M $57,868
    The Bank of Missouri Highways 72 And 51 Patton, MO 63662 Limited, Drive-thru $16,605

    For 2020, The Bank Of Missouri had 32 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $93,586
    Net interest income $82,267
    Total noninterest income $43,230
    Gross Fiduciary activities income $1,329
    Service charges on deposit accounts $3,621
    Trading account gains and fees $1,819
    Additional Noninterest Income $36,461
    Pre-tax net operating income $39,408
    Securities gains (or losses, -) $357
    Income before extraordinary items $33,338
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $33,338
    Minority interest net income $28
    Net income $33,310
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $33,038

    The Bank Of Missouri's gross interest income from loans was $93,586,000.
    The Bank Of Missouri's net interest income from loans was $82,267,000.
    The Bank Of Missouri's fee based income from loans was $3,621,000.
    The Bank Of Missouri's net income from loans was $33,310,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,319
    Provision for credit losses $10,333
    Total noninterest expense $75,756
    Salaries and employee benefits $45,997
    Premises and equipment expense $7,476
    Additional noninterest expense $22,283
    Applicable income taxes $6,427
    Net charge-offs $2,149
    Cash dividends $24,000

    The Bank Of Missouri's interest expense for loans was $11,319,000.
    The Bank Of Missouri's payroll and benefits expense were $45,997,000.
    The Bank Of Missouri's property, plant and equipment expenses $7,476,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,119,620
    Deposits held in domestic offices $2,119,620
    Deposits by Individuals, partnerships, and corporations $1,822,179
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $269,374
    Deposits by Commercial banks and other depository institutions in U.S. $28,066
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $547,515
    Demand deposits $309,041
    Nontransaction accounts $1,572,104
    Money market deposit accounts (MMDAs) $960,377
    Other savings deposits (excluding MMDAs) $246,142
    Total time deposits $365,586
    Total time and savings deposits $1,810,578
    Noninterest-bearing deposits $495,206
    Interest-bearing deposits $1,624,414
    Retail deposits $2,013,367
    IRAs and Keogh plan accounts $49,933
    Brokered deposits $6,202
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,505,848
    Cash & Balances due from depository institutions $118,882
    Interest-bearing balances $93,411
    Total securities $549,480
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,660,793
    Loan and leases loss allowance $22,114
    Trading account assets $1,143
    Bank premises and fixed assets $41,377
    Other real estate owned $3,231
    Goodwill and other intangibles $47,729
    All other assets $83,213

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,505,848
    Total Liabilities $2,212,874
    Total deposits $2,119,620
    Interest-bearing deposits $1,624,414
    Deposits held in domestic offices $2,119,620
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $26,625
    Trading liabilities $1,144
    Other borrowed funds $50,000
    Subordinated debt $0
    All other liabilities $15,485

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,660,793
    Loan and leases loss allowance $22,114
    Total loans and leases (domestic) $1,682,907
    All real estate loans $1,289,487
    Real estate loans in domestic offices $1,289,487
    Construction and development loans $86,792
    Residential 1-4 family construction $28,103
    Other construction, all land development and other land $58,689
    Loans secured by nonfarm nonresidential properties $486,284
    Nonfarm nonresidential secured by owner-occupied properties $210,640
    Commercial real estate & other non-farm, non-residential $275,644
    Multifamily residential real estate $109,138
    1-4 family residential loans $466,718
    Farmland loans $140,555
    Loans held in foreign offices $0
    Farm loans $34,657
    Commercial and industrial loans $300,241
    To non-U.S. addressees $0
    Loans to individuals $55,630
    Credit card loans $8,012
    Related Plans $4,054
    Consumer Auto Loans $12,372
    Other loans to individuals $31,192
    All other loans & leases $5,148
    Loans to foreign governments and official institutions $0
    Other loans $367
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $453
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,411
    Non 1-4 family restructured loans & leases $6,397
    Total loans and leases (foreign) $0

    The Bank of Missouri had $1,660,793,000 of loans outstanding in 2020. $1,289,487,000 of loans were in real estate loans. $86,792,000 of loans were in development loans. $109,138,000 of loans were in multifamily mortgage loans. $466,718,000 of loans were in 1-4 family mortgage loans. $34,657,000 of loans were in farm loans. $8,012,000 of loans were in credit card loans. $12,372,000 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 730 $133,632 $183,058
    Nonfarm, nonresidential loans - <$100k 198 $6,927 $34,985
    Nonfarm, nonresidential loans - $100-250k 230 $25,980 $112,957
    Nonfarm, nonresidential loans - $250k-1MM 302 $100,725 $333,526
    Commercial & Industrial, US addressed loans - <$1MM 2,225 $132,207 $59,419
    Commercial & Industrial, US addressed loans - <$100k 1,724 $37,835 $21,946
    Commercial & Industrial, US addressed loans - $100-250k 292 $30,806 $105,500
    Commercial & Industrial, US addressed loans - $250k-1MM 209 $63,566 $304,144
    Farmland loans - <$1MM 453 $48,243 $106,497
    Farmland loans - <$100k 200 $7,656 $38,280
    Farmland loans - $100-250k 174 $20,793 $119,500
    Farmland loans - $250k-1MM 79 $19,794 $250,557
    Agriculture operations loans - <$1MM 536 $22,922 $42,765
    Agriculture operations loans - <$100k 420 $7,837 $18,660
    Agriculture operations loans - $100-250k 78 $7,343 $94,141
    Agriculture operations loans - $250k-1MM 38 $7,742 $203,737