Question 1

What is Regional Missouri Bank?

Accepted Answer

Regional Missouri Bank is a locally-owned community bank headquartered in Marceline, Missouri, serving north central Missouri with a focus on agricultural lending, small business financing, and household banking services. With approximately $562 million in total assets and 11 offices across the region, the bank specializes in providing personalized financial services to farmers, small businesses, and local municipalities.

As a state-chartered commercial bank supervised by the FDIC, Regional Missouri Bank maintains a strong community banking philosophy emphasizing prompt service and relationship-based lending.

Question 2

When was Regional Missouri Bank founded?

Accepted Answer

Regional Missouri Bank was established on May 13, 1908, originally as the Bank of Bynumville in the small community of Bynumville, Missouri. Phillip Porter purchased the lot for just $50 to build the bank, and the bricks were made from clay soil excavated next to the building site. The bank opened with a capital stock of $10,000.

For a period in its early years, the second floor of the bank building housed the local high school. The institution changed its name to Regional Missouri Bank in 1978 to better reflect its expanding regional presence and service area.

Question 3

Where is Regional Missouri Bank headquartered?

Accepted Answer

Regional Missouri Bank is headquartered in Marceline, Missouri, located in Linn County. The main bank is situated at 1201 South Missouri Avenue in Marceline, with a mailing address at PO Box 458, Marceline, MO 64658.

Marceline is a small town in north central Missouri, positioned in the heart of the bank's agricultural service region.

Question 4

Where does Regional Missouri Bank operate?

Accepted Answer

Regional Missouri Bank operates 11 offices throughout north central Missouri, with 9 domestic branches serving local communities. The bank maintains locations in:
• Marceline (2 locations - main bank and downtown branch)
• Salisbury
• Keytesville
• Glasgow
• Paris
• Moberly (2 locations)
• Brookfield

This network covers multiple counties in north central Missouri, serving both rural agricultural communities and small towns throughout the region.

Question 5

What services does Regional Missouri Bank offer?

Accepted Answer

Regional Missouri Bank provides comprehensive banking services tailored to rural and small-town communities:

Lending Services:
• Agricultural loans for farmers and ranchers
• Home mortgages and residential lending
• Small business loans and commercial financing
• Municipal lending to local governments

Retail Banking:
• Personal checking and savings accounts
• Certificates of deposit
• Debit cards with nationwide surcharge-free ATM access through the MoneyPass network

Digital Banking:
• Mobile banking app for 24/7 account access
• Online banking portal
• Online bill pay services
• eStatements
• Debit card management app with budget controls
• Mobile check deposit

The bank emphasizes accessibility through modern digital tools while maintaining personalized local service.

Question 6

What makes Regional Missouri Bank unique?

Accepted Answer

Regional Missouri Bank distinguishes itself through several key characteristics:

Agricultural Expertise: With over a century of experience in Missouri's agricultural economy, the bank has developed deep expertise in farm and ranch lending, understanding the seasonal cash flow patterns and unique needs of agricultural operations.

Historic Roots: The bank's original building in Bynumville was constructed with bricks made from local clay soil, and it even housed the local high school on its second floor—reflecting the institution's integral role in community life from its earliest days.

Strategic Growth Through Acquisition: Rather than rapid expansion, the bank has grown methodically through community-focused acquisitions, including the Bank of Keytesville (2006), Glasgow Savings Bank (2012), a Paris branch (2014), and the Bank of Cairo & Moberly (2019).

Strong Financial Performance: The bank maintains a Return on Assets (ROA) of 1.67% and Return on Equity (ROE) of 16.33%, demonstrating solid profitability while serving smaller markets.

Community Focus: The bank explicitly targets small businesses, farmers, and households, providing financing that keeps jobs local and business communities healthy.

Question 7

What type of financial institution is Regional Missouri Bank?

Accepted Answer

Regional Missouri Bank is a State-Chartered Commercial Bank that operates as a community bank supervised by the Federal Deposit Insurance Corporation (FDIC).

As a state-chartered, non-member bank (not part of the Federal Reserve System), it is regulated by Missouri state banking authorities and the FDIC. The bank is structured as a Subchapter S Corporation and qualifies as a community bank under FDIC definitions, with a focus on relationship banking and local market knowledge.

The institution received FDIC deposit insurance on May 11, 1961, and operates under CERT number 18385. Its classification as a commercial bank reflects its broad range of lending and deposit services for both individuals and businesses.

Regional Missouri Bank

in the United States 🇺🇸

Crypto-Friendliness

All done!

About Regional Missouri Bank in the United States