NORTHERN MO BANCSHARES INC
Legal name: NORTHERN MISSOURI BANCSHARES, INC.
2 active banks · 1 merged/absorbed · $578M combined assets
RSSD ID: 1249495 (FFIEC NIC)
Combined Assets
$578M
CRA Rating Summary
Across all 14 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
2 of 2 banks · Meets expectations for community lending
Combined Assets
$578M
2 active banks
Financial Summary
FDIC Call ReportsAggregated from the most recent call report filings for all active charters.
Total Deposits
$519M
Net Income
$3M
ROA (avg)
2.44%
asset-weighted avg
Mortgage Lending (HMDA)
Aggregated HMDA data across all active charters for 2024.
Applications
165
Origination Rate
84.24%
Denial Rate
10.91%
Active Bank Charters2
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| EXCHANGE BANK OF MISSOURI | FAYETTE, MO | FDIC | $447M | — | Satisfactory | Apr 1995 |
| CONCORDIA BANK OF CONCORDIA, MISSOURI | CONCORDIA, MO | FDIC | $131M | 100.0% | Satisfactory | Aug 2021 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.