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This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

JEFFERSON BANK OF MISSOURI

JEFFERSON CITY, MO · Supervised by FDIC

Est. 1967FDIC #19,762RSSD: FDIC-19762
Part ofCENTRAL BANCOMPANY INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.23%

Institution Profile

FDIC BankFind

Address

700 Southwest Boulevard, JEFFERSON CITY, MO

County

Cole County

Established

November 2, 1967

Total Assets

$816M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2013

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 12 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2021Call Report / FDIC

Total Assets

$816M

Total Deposits

$683M

Net Loans

$575M

Net Income

$13M

ROA

2.23%

ROE

25.01%

Risk-Based Capital

14.32%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.69%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20201,37886.5%2.69%
201970485.37%2.98%
201857882.53%3.29%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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