🏦Bank Scorer

O'BANNON BANKING COMPANY

BUFFALO, MO · Supervised by FDIC

Est. 1905FDIC #8,295RSSD: FDIC-8295
Part ofBUFFALO BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.02%

Institution Profile

FDIC BankFind

Address

1347 S Ash St, BUFFALO, MO

County

Dallas County

Established

November 20, 1905

Total Assets

$334M(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

August 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$334M

Total Deposits

$300M

Net Loans

$242M

Net Income

$831K

ROA

1.02%

ROE

11.73%

Risk-Based Capital

0.00%

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 Rate5.71%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$277M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247091.43%5.71%
20236981.16%10.14%
20229782.47%11.34%
201910579.05%10.48%
20189885.71%10.20%

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 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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