The Bank of Missouri
Perryville, Missouri, Perry County
$4.2B in total assets, the 334th largest of 4,309 US banks and 11th of 195 headquartered in Missouri.
- FDIC certificate
- 1617
- Established
- 1891
- Owned by
- Reliable Cmty Bancshares Inc
- Primary regulator
- FDIC
- Website
- WWW.BANKOFMISSOURI.COM
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.2B | 86% | $1.8B | |
| Loans | $3.2B | 86% | $1.2B | |
| Deposits | $3.6B | 86% | $1.4B | |
| Return on assets | 0.88% | 7% | 1.32% | |
| Net interest margin | 3.37% | 14% | 3.87% | |
| Efficiency ratio | 74.5% | 97% | 56.1% | |
| Equity to assets | 11.73% | 66% | 10.96% | |
| Loans to deposits | 89% | 24% | 94% |
Growth
Total assets grew 9.8% a year over the last 5 years and 12.5% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2026 | M1 Bank Clayton, MO | $1.2B |
| Aug 2020 | Bank of Bolivar Bolivar, MO, an affiliate under the same holding company | $353M |
| Mar 2018 | Mid America Bank & Trust Company Dixon, MO, an affiliate under the same holding company | $179M |
| Feb 2018 | Martinsburg Bank and Trust Mexico, MO | $192M |
| Dec 2015 | Bank Star of the BootHeel Steele, MO | $98M |
| Dec 2012 | Security Bank and Trust Company Scott City, MO | $80M |
| Jul 2008 | Countryside Bank Republic, MO | $97M |
Where they operate
32 branches in 16 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Louis County, MO | $1.1B | 2.2% | 11 of 55 |
| Perry County, MO | $546M | 58.4% | 1 of 7 |
| Cape Girardeau County, MO | $490M | 14.1% | 1 of 16 |
| Boone County, MO | $215M | 3.7% | 7 of 23 |
| Greene County, MO | $215M | 1.5% | 16 of 35 |
| Polk County, MO | $206M | 24.7% | 1 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 9 branches since 2016 (23 to 32, +39.1%). 3 opened, 20 acquired, 14 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2018 | Acquired Mid America Bank & Trust Company and Martinsburg Bank and TrustOpened Caruthersville, closed Caruthersville | 13 | 1 | +12 | 35 |
| 2019 | Closed 3 in Missouri | 0 | 3 | −3 | 32 |
| 2020 | Acquired Bank of BolivarClosed Nixa | 6 | 1 | +5 | 37 |
| 2021 | Closed 7 in Missouri | 0 | 7 | −7 | 30 |
| 2022 | Opened PerryvilleClosed Dixon | 1 | 1 | 0 | 30 |
| 2023 | Closed Fair Grove | 0 | 1 | −1 | 29 |
| 2026 through Q2 | Acquired M1 BankOpened Creve Coeur | 3 | 0 | +3 | 32 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 33% | 17% | |
| 1-4 family residential | 22% | 20% | |
| Commercial real estate | 21% | 31% | |
| Construction and land | 9% | 11% | |
| Farmland | 5% | 5% | |
| Multifamily | 4% | 7% | |
| Consumer | 3% | 4% | |
| Agricultural | 2% | 2% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 48% | |
| Time deposits | 41% | 33% | |
| Noninterest-bearing | 18% | 19% |
Brokered deposits are 13.8% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.50% | 0.63% |
| Net charge-offs, annualized | 0.84% | 0.03% |
| Reserves to loans | 0.65% | 1.30% |
| Leverage ratio | 9.63% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in St. Louis County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-missouri-perryville-mo