Eagle Bank and Trust Company of Missouri

Eagle Bank and Trust Company of Missouri Locations

10596 Highway 21
Hillsboro, MO 63050
1-877-965-1110
www.eaglebankandtrust.com

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Eagle Bank and Trust Company of Missouri is headquartered in Hillsboro and is the 27^th largest bank in the state of Missouri. It is also the 735^th largest bank in the nation. It was established in 1911 and as of March of 2013, it had grown to 204 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 4-star health rating.

Eagle Bank And Trust Lowers RCA Rate 2.50%APY To 1.75%APY Effective 1/30/13 (Forum) - 2/7/2013

The change was effective 1/31/13 and there was no notification to accountholders of any kind, other than an update to the website. The effective date falls in the middle of the current qualification cycle, which ends 2/13. The cap is

Eagle Bank And Trust: Changes Coming 2/26/13 (Forum) - 2/4/2013

Excerpts from an Email received this afternoon: A new Internet Banking service will be available 2/26/13. Some important dates to note: Ebills will be disabled 2/18/13. Bill Pay will be unavailable 2/21 - 2/26/13. The website and Inter

Eagle Bank And Trust (MO) RCA Rate Change ($30K, 3%APY) To ($20K 2.5%APY) Retroactively (Forum) - 6/28/2012

Smart Money checking acct APY has changed effective Tuesday 6/26, midway through the current qualification cycle, which started 6/13. The bank notified its customers by updating the information on its website.

Top Reward Checking at Eagle Bank and Trust Company of Missouri - Local Only - 6/11/2012

We have been tracking the reward checking rates at Eagle Bank and Trust Company of Missouri for just over a year, and during that the account has remained very competitive. The bank calls its reward c ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Eagle Bank and Trust Company of Missouri Checking Account Rates

Apy	Min	Max	Product
1.75%	-	$30k	SmartMoney Checking
0.15%	$1k	-	Interest Checking Account

Eagle Bank and Trust Company of Missouri Savings Account Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
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 CD Rates

Apy	Min	Max	Product
1.00%	$500	$100k	48 Month CD
0.70%	$500	$100k	36 Month CD
0.55%	$500	$100k	24 Month CD
0.55%	$500	$100k	30 Month CD
0.45%	$500	$100k	18 Month CD
0.40%	$500	$100k	12 Month CD
0.25%	$2,500	$100k	182 Day CD
0.15%	$2,500	$100k	91 Day CD

Eagle Bank and Trust Company of Missouri IRA Rates

Apy	Min	Max	Product
0.83%	-	-	18 Month Variable Rate IRA
0.83%	-	-	18 Month Variable Rate Roth IRA
0.83%	-	-	18 Month Variable Rate Educational IRA
0.70%	-	-	36 Month Fixed Rate IRA
0.70%	-	-	36 Month Fixed Rate Roth IRA
0.70%	-	-	36 Month Fixed Rate Educational IRA
0.45%	-	-	18 Month Fixed Rate Educational IRA
0.45%	-	-	18 Month Fixed Rate IRA
0.45%	-	-	18 Month Fixed Rate Roth IRA

Rates updated: 6/17/2013

Data for Q1 2013

Institution Statistics

Eagle Bank and Trust Company of Missouri
FDIC Certificate #	17691
BankRate Report	View
Year Established	1911
Employees	204
Primary Regulator	FDIC
Assets and Liabilities
Assets	$893.64 million
Loans	$581.43 million
Deposits	$746.54 million
Equity Capital	$90.53 million
Loan Loss Allowance	$6.99 million
Unbacked Noncurrent Loans	$11.33 million
Real Estate Owned	$16.77 million
Historic Data - March 2012
Assets	$888.28 million
Equity Capital	$89.42 million
Loan Loss Allowance	$8.19 million
Unbacked Noncurrent Loans	$24.87 million
Real Estate Owned	$6.27 million
Profit Margin - Quarterly
Net Interest Margin	3.44%
Return on Assets	0.66%
Return on Equity	6.54%
Interest Income	$8.28 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
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 March 31, 2013 Eagle Bank and Trust Company of Missouri had $28.1 million in non-current loans and owned real-estate with $97.51 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 28.82% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Eagle Bank and Trust Company of Missouri held steady from 31.96% as of March 31, 2012 to 28.82% as of March 31, 2013, resulting in a positive change of 9.82%.This indicates that the balance sheet and financial strength for Eagle Bank and Trust Company of Missouri has held steady in recent periods.
Deposit Growth
In the past year, Eagle Bank and Trust Company of Missouri has increased its total deposits by $16.87 million, resulting in 2.31% 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
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 $893.64 million in assets with $97.51 million in equity, resulting in a capitalization level of 10.91%, which is above average.