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Overview / Commentary
417-777-6500
495 South Springfield Avenue
Bolivar, MO 65613

Bank of Bolivar is headquartered in Bolivar and is the 111st largest bank in the state of Missouri. It is also the 3,021st largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 66 employees at 4 locations. Bank of Bolivar's savings rates are 94% higher than the national average, and it has a B health rating.

Reviews (2)

Very Uncaring

i know for a fact bank of bolivar terminated 2 single mothers for questioning the terrible working conditions in the spfd location. the bank then stiffed them of the money that was owed to them leaving them in a difficult posistion each with children to care for. id use any bank before ever using BOB. you cant get much lower than that.

Awful Edperience

I witnessed an older lady, the Assistant Vice President I believe, treating employees on the teller line terrible. The President of the Springfield location lied and cheated anyway he could to get my business. I recommend using any bank in the area before BoB.



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Bolivar had $6.5 million in non-current loans and owned real-estate with $22.83 million in equity and loan loss allowances on hand to cover it. This gives Bank of Bolivar a Texas Ratio of 28.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Bank of Bolivar decreased slightly from 35.10% as of December 31, 2012 to 28.46% as of December 31, 2013, resulting in a positive change of 18.91%.This indicates that the balance sheet and financial strength for Bank of Bolivar has improved slightly in recent periods.

Deposit Growth

GRADE:
B

In the past year, Bank of Bolivar has increased its total deposits by $710,000, resulting in 0.4% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Bolivar has shown is above average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Bolivar has $202.83 million in assets with $22.83 million in equity, resulting in a capitalization level of 11.26%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #34397
Year Established1997
Employees66
Primary RegulatorFDIC
Assets and Liabilities
Assets$202.83 million
Loans$144.59 million
Deposits$177.84 million
Equity Capital$20.69 million
Loan Loss Allowance$2.14 million
Unbacked Noncurrent Loans$957,000
Real Estate Owned$5.54 million
Historic Data - December 2012
Assets$201.91 million
Equity Capital$20.13 million
Loan Loss Allowance$2.08 million
Unbacked Noncurrent Loans$957,000
Real Estate Owned$7.24 million
Profit Margin - Quarterly
Net Interest Margin4.14%
Return on Assets0.69%
Return on Equity6.83%
Interest Income$8.73 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Bank of Bolivar, we are a rate comparison website and can not provide official rates or promotions.

Bank of Bolivar Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.01%-$10kUltimate Saver Savings
0.15%$100-Statement Savings
0.15%--Health Savings
0.15%--Christmas Club
0.15%--Howdy Club
0.01%--Ultimate Saver Savings

Bank of Bolivar Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Money Market

Bank of Bolivar Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.75%-$10kUltimate Free Checking
0.20%$8k-Basic Interest Checking
0.01%--Ultimate Free Checking

Bank of Bolivar CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month CD
0.95%$500-48 - 59 Month CD
0.75%$500-36 - 47 Month CD
0.55%$500-30 Month Choice CD Special
0.55%$500-24 - 35 Month CD
0.40%$500-18 Month Choice CD Special
0.40%$500-12 - 23 Month CD
0.25%$500-182 - 364 Day CD
0.15%$500-91 - 181 Day CD

Bank of Bolivar IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month IRA (Traditional,Roth)
0.95%$500-48 - 59 Month IRA (Traditional,Roth)
0.75%$500-36 - 47 Month IRA (Traditional,Roth)
0.55%$500-24 - 35 Month IRA (Traditional,Roth)
0.55%$500-30 Month Choice IRA Special (Traditional,Roth)
0.40%$500-12 - 23 Month IRA (Traditional,Roth)
0.40%$500-18 Month Choice IRA Special (Traditional,Roth)
Locations


Bank of Bolivar Locations
Bolivar Branch2126 West BroadwayBolivar, MO 65613
Bank Of Bolivar2920 E Chestnut ExpresswaySpringfield, MO 65802
Fair Grove Branch40 North Main StreetFair Grove, MO 65648
Bank Of Bolivar495 South Springfield AvenueBolivar, MO 65613