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Overview / Commentary
5 East Fifth Street
Fulton, MO 65251

The Callaway Bank is headquartered in Fulton and is the 77th largest bank in the state of Missouri. It is also the 2,130th largest bank in the nation. It was established in 1857 and as of March of 2014, it had grown to 65 employees at 8 locations. The Callaway Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 The Callaway Bank had $6.97 million in non-current loans and owned real-estate with $32.53 million in equity and loan loss allowances on hand to cover it. This gives The Callaway Bank a Texas Ratio of 21.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Callaway Bank decreased slightly from 28.65% as of March 31, 2013 to 21.43% as of March 31, 2014, resulting in a positive change of 25.19%.This indicates that the balance sheet and financial strength for The Callaway Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Callaway Bank has increased its total deposits by $10.05 million, resulting in 4.06% 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 The Callaway Bank has shown is excellent.



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. The Callaway Bank has $308.6 million in assets with $32.53 million in equity, resulting in a capitalization level of 10.54%, which is above average.

Institution Statistics

FDIC Certificate #12223
Year Established1857
Primary RegulatorFED
Assets and Liabilities
Assets$308.60 million
Loans$195.28 million
Deposits$257.35 million
Equity Capital$28.81 million
Loan Loss Allowance$3.72 million
Unbacked Noncurrent Loans$1.43 million
Real Estate Owned$5.54 million
Historic Data - March 2013
Assets$292.62 million
Equity Capital$28.58 million
Loan Loss Allowance$3.64 million
Unbacked Noncurrent Loans$1.43 million
Real Estate Owned$6.12 million
Profit Margin - Quarterly
Net Interest Margin3.62%
Return on Assets1.61%
Return on Equity17.55%
Interest Income$2.71 million

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The Callaway Bank Locations
South Facility1101 Business 54 SouthFulton, MO 65251
Chapel Hill Road Branch1600 Chapel Hill RoadColumbia, MO 65203
North Bluff Drive-In Branch2202 North Bluff StreetFulton, MO 65251
Drive-In Branch308 Market StreetFulton, MO 65251
Broadway Branch3200 West BroadwayColumbia, MO 65203
The Callaway Bank5 East Fifth StreetFulton, MO 65251
Lake Of The Woods Branch5600 Bull Run DriveColumbia, MO 65201
Mokane FacilityNorth Street and Route CMokane, MO 65059