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877-965-1110
10596 Highway 21
Hillsboro, MO 63050

Eagle Bank and Trust Company of Missouri is headquartered in Hillsboro and is the 28th largest bank in the state of Missouri. It is also the 749th largest bank in the nation. It was established in 1911 and as of March of 2014, it had grown to 188 employees at 17 locations. Eagle Bank and Trust Company of Missouri's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Eagle Bank and Trust Company of Missouri had $13.64 million in non-current loans and owned real-estate with $99.18 million in equity and loan loss allowances on hand to cover it. This gives Eagle Bank and Trust Company of Missouri a Texas Ratio of 13.75% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Eagle Bank and Trust Company of Missouri decreased dramatically from 28.84% as of March 31, 2013 to 13.75% as of March 31, 2014, resulting in a positive change of 52.32%.This indicates that the balance sheet and financial strength for Eagle Bank and Trust Company of Missouri has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Eagle Bank and Trust Company of Missouri has increased its total deposits by $16.51 million, resulting in 2.21% 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 Eagle Bank and Trust Company of Missouri 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. Eagle Bank and Trust Company of Missouri has $901.61 million in assets with $99.18 million in equity, resulting in a capitalization level of 11.00%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17691
Year Established1911
Employees188
Primary RegulatorFDIC
Assets and Liabilities
Assets$901.61 million
Loans$600.68 million
Deposits$763.05 million
Equity Capital$91.01 million
Loan Loss Allowance$8.17 million
Unbacked Noncurrent Loans$5.48 million
Real Estate Owned$8.16 million
Historic Data - March 2013
Assets$893.64 million
Equity Capital$90.53 million
Loan Loss Allowance$6.99 million
Unbacked Noncurrent Loans$5.48 million
Real Estate Owned$16.77 million
Profit Margin - Quarterly
Net Interest Margin3.54%
Return on Assets0.72%
Return on Equity7.17%
Interest Income$8.33 million
Rates

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Eagle Bank and Trust Company of Missouri Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--Young Eagles Account
0.25%$100-Statement Savings
0.25%--Christmas Club
0.25%--Vacation Club
0.25%$100-Corporate Savings
0.25%--Student Savings

Eagle Bank and Trust Company of Missouri Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$10k-Consumer Millennium Money Market
0.50%$10k-Commercial Millennium Money Market
0.40%$75k-Consumer Tiered Money Market
0.40%$75k-Commercial Tiered Money Market

Eagle Bank and Trust Company of Missouri Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.75%-$30kSmartMoney Checking - Qualifying
0.15%$1k-Interest Checking Account
0.15%--SmartMoney Checking - Non-Qualifying

Eagle Bank and Trust Company of Missouri CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500$100k48 Month CD
0.70%$500$100k36 Month CD
0.55%$500$100k24 Month CD
0.55%$500$100k30 Month CD
0.45%$500$100k18 Month CD
0.40%$500$100k12 Month CD
0.25%$2,500$100k182 Day CD
0.15%$2,500$100k91 Day CD

Eagle Bank and Trust Company of Missouri IRA Rates

DetailsAPYMINMAXPRODUCT
0.79%--18 Month Variable Rate IRA
0.70%--36 Month Fixed Rate IRA
0.45%--18 Month Fixed Rate IRA
Locations

Eagle Bank and Trust Company of Missouri has 17 locations. Click to view all Eagle Bank and Trust Company of Missouri locations.