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Bank Ratings

5-Star Rating from Bauer FinancialThe Bank of Missouri has been awarded a 5-Star (“Superior”) Rating from Bauer Financial, Inc., an independent bank rating company. Bauer’s 5-Star Rating, their highest performance ranking, represents an independent, unbiased analysis of a financial institution’s safety and soundness position. Bauer has been analyzing and reporting the financial condition of the nation’s banking industry since 1983. The Bank of Missouri has received this 5-Star rating for nine straight quarters, every quarter since December 2011.

The Bauer rating is based on a complex analysis of financial criteria including capitalization, asset quality, profitability, liquidity and risk. The 5-Star Rating indicates that The Bank of Missouri is both financially sound and has the resources to deal with a variety of adverse economic conditions. No institution pays Bauer Financial to rate it, nor can any choose to be excluded. BauerFinancial has been the leading independent bank and credit union rating firm since 1983.

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Superior (These institutions are on BauerFinancial's Recommended Report.)
 
Excellent (These institutions are also on BauerFinancial's Recommended Report.)
 
Good (Banks only)
Adequate
 
Problematic
 
Troubled
 
ZERO Zero-Stars is the lowest star rating. These institutions are included on our Troubled & Problematic Report and are facing considerable challenges at this time. Please check back as star ratings are subject to change at any time.
 
S.U. Start-up. Institutions that are too new to rate. As a general rule, an institution will receive its first Bauer star-rating after it has been in business for approximately 2.5 years.
 
N.R. Credit Unions that are not rated because either: they have less than $1.5 million in assets OR are not NCUA insured.
 
FDIC Bank has failed and/or is operating under FDIC conservatorship. No longer rated by BauerFinancial.

 

RSLVD Credit Unions that have been resolved or liquidated since the reporting date. No longer rated by BauerFinancial.

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial Inc. BauerFinancial, Inc. relies upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings) as well as supplying the data fields incorporated herein. BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. BauerFinancial is a registered trademark. Any unauthorized use of its content, logos, name and/or Star-ratings is forbidden.

All institutions are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors. In general, institutions are required to maintain a leverage capital ratio of at least 4%, a tier 1 risk-based capital ratio of at least 4% and a total risk-based capital ratio of at least 8%.
 

In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.