This institution is no longer active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

Strong

ROA 2.23%

Is this bank safe?

JEFFERSON BANK OF MISSOURI holds a Satisfactory CRA rating (2013), is financially strong (ROA +2.23%). Overall, this bank appears financially sound.

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%

Above avg for Small banks. Peer avg: 0.44%

ROE

25.01%

Risk-Based Capital

14.32%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA2.23%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.32%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.69%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	1,378	86.5%	2.69%
2019	704	85.37%	2.98%
2018	578	82.53%	3.29%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2013	Satisfactory	Intermediate Small Bank
Feb 2010	Satisfactory	Intermediate Small Bank
Nov 2006	Satisfactory	Intermediate Small Bank

5 previous ratings locked — 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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