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Missouri Bank and Trust Company of Kansas City

Based on 1 review
Missouri Bank and Trust Company of Kansas City
Overview / Commentary
1044 Main Street
Kansas City, MO 64105

Missouri Bank and Trust Company of Kansas City is headquartered in Kansas City and is the 38th largest bank in the state of Missouri. It is also the 1,178th largest bank in the nation. It was established in 1933 and as of December of 2013, it had grown to 84 employees at 4 locations. Missouri Bank and Trust Company of Kansas City has a B health rating.

Reviews (1)

AVOID LIKE THE PLAGUE!!!!!!!!

When I informed this bank that I wanted to take my business accounts elsewhere they canceled my check card to harass me. There were plenty of funds in the account and I had not reported fraudulent behavior. They always charged more than other banks for services but told me that if I moved my accounts elsewhere they would raise the rate on my loan.  If you've had similar threats from this bank please let me know.



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
A+

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 Missouri Bank and Trust Company of Kansas City had $1.04 million in non-current loans and owned real-estate with $41.17 million in equity and loan loss allowances on hand to cover it. This gives Missouri Bank and Trust Company of Kansas City a Texas Ratio of 2.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Missouri Bank and Trust Company of Kansas City experienced no significant changes from 0.07% as of December 31, 2012 to 2.52% as of December 31, 2013, resulting in a negative change of 3,711.51%. This indicates that the balance sheet and financial strength for Missouri Bank and Trust Company of Kansas City has had no significant changes in recent periods.

Deposit Growth

GRADE:
F

In the past year, Missouri Bank and Trust Company of Kansas City has decreased its total deposits by -$96.02 million, resulting in -15.46% 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 Missouri Bank and Trust Company of Kansas City has shown is poor.

Capitalization

GRADE:
C-

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. Missouri Bank and Trust Company of Kansas City has $562.57 million in assets with $41.17 million in equity, resulting in a capitalization level of 7.32%, which is below average.

Institution Statistics

Overall
FDIC Certificate #9387
Year Established1933
Employees84
Primary RegulatorFDIC
Assets and Liabilities
Assets$562.57 million
Loans$383.24 million
Deposits$524.93 million
Equity Capital$36.96 million
Loan Loss Allowance$4.21 million
Real Estate Owned$1.04 million
Historic Data - December 2012
Assets$669.49 million
Equity Capital$37.23 million
Loan Loss Allowance$3.55 million
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.08%
Return on Assets0.95%
Return on Equity15.69%
Interest Income$19.45 million
Rates

Sorry, we do not have rate data for Missouri Bank and Trust Company of Kansas City

Locations


Missouri Bank and Trust Company of Kansas City Locations
Missouri Bank and Trust Company Of Kansas City1044 Main StreetKansas City, MO 64105
Southwest Blvd Branch125 Southwest BlvdKansas City, MO 64108
Prairie Village Branch4140 West 71st StreetPrairie Village, KS 66208
Brookside Branch7 West 62nd TerraceKansas City, MO 64113