O'Bannon Banking Company

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.obannonbank.com

417-345-2251

1347 South Ash Street
Buffalo, MO 65622

O'Bannon Banking Company is headquartered in BUFFALO and is the 99^th largest bank in the state of Missouri. It is also the 2,456^th largest bank in the nation. It was established in 1905 and as of March of 2025, it had grown to 61 employees at 5 locations. O'Bannon Banking Company's CD rates are 5X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8295
Year Established	1905
Employees	61
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	11.51%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$310MM$282MM
Loans	Q1 2025vs Q1 2024	$213.4MM$209.4MM
Deposits	Q1 2025vs Q1 2024	$279.8MM$251.7MM
Equity Capital	Q1 2025vs Q1 2024	$25.1MM$22.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.3MM$2.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$789K$863K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

O'Bannon Banking Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$0	-	Regular Savings
0.15%	$0	-	O’Bannon Kids Club
0.15%	$0	-	Health Savings Account
0.15%	$0	-	Business Regular Savings

O'Bannon Banking Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$200k^*	-	Money Market Account
OTHER TIERS: 0.35% → $0 - $50k \| 0.55% → $50k - $100k \| 0.75% → $100k - $200k
1.00%^*	$200k^*	-	Business Money Market Account
OTHER TIERS: 0.35% → $0 - $50k \| 0.55% → $50k - $100k \| 0.75% → $100k - $200k

O'Bannon Banking Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$0	-	Super Now Account
0.10%	$0	-	Now Account
0.10%	$0	-	Business Interest Checking

O'Bannon Banking Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.30%	$1k	-	6 Month CD
4.30%	$1k	-	Business 6 Month CD
4.22%	$1k	-	12 Month CD
4.22%	$1k	-	Business 12 Month CD
4.06%	$1k	-	18 Month CD
4.06%	$1k	-	Business 18 Month CD
3.80%	$1k	-	24 Month CD
3.80%	$1k	-	Business 24 Month CD
3.55%	$1k	-	3 Month CD
3.55%	$1k	-	36 Month CD
3.55%	$1k	-	Business 3 Month CD
3.55%	$1k	-	Business 36 Month CD
3.29%	$1k	-	48 Month CD
3.29%	$1k	-	Business 48 Month CD
3.03%	$1k	-	60 Month CD
3.03%	$1k	-	Business 60 Month CD

O'Bannon Banking Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.24%	$100	-	12 Month Fixed IRA
4.08%	$100	-	12 Month Variable IRA
4.08%	$100	-	18 Month Fixed IRA
3.92%	$100	-	18 Month Variable IRA
3.56%	$100	-	36 Month Fixed IRA
3.41%	$100	-	36 Month Variable IRA
3.30%	$100	-	48 Month Fixed IRA
3.05%	$100	-	60 Month Fixed IRA

Locations

O'Bannon Banking Company Locations
Fair Grove Branch	101 North Union Grove Road	Fair Grove, MO 65648
O'bannon Banking Company	1347 S Ash St	Buffalo, MO 65622
Strafford Branch	201 S. State Hwy 125	Strafford, MO 65757
O'bannon Banking Company Pleasant Hope Branch	5492 S. Hwy H, Suite H	Pleasant Hope, MO 65725
Branch Office	119 South Maple Street	Buffalo, MO 65622

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