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First Central Bank (MO)

First Central Bank (MO)
Overview / Commentary
401 North Maguire Street
Warrensburg, MO 64093

First Central Bank (MO) is headquartered in Warrensburg and is the 110st largest bank in the state of Missouri. It is also the 2,997th largest bank in the nation. It was established in 1984 and as of December of 2013, it had grown to 56 employees at 7 locations. First Central Bank (MO) has a B+ health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 First Central Bank (MO) had $1.89 million in non-current loans and owned real-estate with $37.65 million in equity and loan loss allowances on hand to cover it. This gives First Central Bank (MO) a Texas Ratio of 5.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Central Bank (MO) experienced no significant changes from 3.69% as of December 31, 2012 to 5.01% as of December 31, 2013, resulting in a negative change of 36.02%. This indicates that the balance sheet and financial strength for First Central Bank (MO) has had no significant changes in recent periods.

Deposit Growth


In the past year, First Central Bank (MO) has decreased its total deposits by -$5.21 million, resulting in -3.03% 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 First Central Bank (MO) has shown is below average.



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. First Central Bank (MO) has $204.51 million in assets with $37.65 million in equity, resulting in a capitalization level of 18.41%, which is excellent.

Institution Statistics

FDIC Certificate #25268
Year Established1984
Primary RegulatorFDIC
Assets and Liabilities
Assets$204.51 million
Loans$93.16 million
Deposits$166.76 million
Equity Capital$35.48 million
Loan Loss Allowance$2.17 million
Unbacked Noncurrent Loans$575,000
Real Estate Owned$1.31 million
Historic Data - December 2012
Assets$213.38 million
Equity Capital$35.77 million
Loan Loss Allowance$2.45 million
Unbacked Noncurrent Loans$575,000
Real Estate Owned$580,000
Profit Margin - Quarterly
Net Interest Margin3.52%
Return on Assets1.11%
Return on Equity6.55%
Interest Income$7.13 million

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First Central Bank (MO) Locations
Bank Of Holden Branch123 West Second StreetHolden, MO 64040
Bank Of Holden/Warrensburg South1310 South Highway 13Warrensburg, MO 64093
Holden Drive-Thru Branch206 South MarketHolden, MO 64040 Branch2116 Nelwood DriveColumbia, MO 65202
First Central Bank401 North Maguire StreetWarrensburg, MO 64093
Higginsville Branch401-415 Fairground AvenueHigginsville, MO 64037
Odessa Branch416 North Second StreetOdessa, MO 64076