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Old Missouri Bank Review

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Old Missouri Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Old Missouri Bank started in 1883 with headquarters in Springfield, Missouri. It has assets of $387 million and deposits totaling $315 million, which makes it a small bank. Old Missouri Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a score of 4.3 out of 5 stars, Old Missouri Bank should be solidly in contention for your choice of bank. Old Missouri Bank provides customers with a full suite of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Old Missouri Bank has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, Old Missouri Bank offers an option without a monthly fee. Obtaining a checking account with no monthly fee as well as a savings account with a high interest rate at the same institution is your best bet for returning the most income from your deposits alongside easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Old Missouri Bank features a savings rate of 0.20%, which is poor compared to the average U.S. bank. Old Missouri Bank's one-year and five-year term lengths CDs earn at a rate of 1.81% and 3.02%, respectively, while its highest-yielding money market account has an APY of 0.20%. Given Old Missouri Bank's poor savings rate, you should think about opting for higher earning savings accounts with other banks.

How Old Missouri Bank's Savings Rates Compare

Old Missouri Bank Savings 0.20 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Old Missouri Bank charges customers extremely low fees in comparison to the average U.S. bank. Its checking account has no monthly fee, which makes it excellent for anyone looking for a hassle-free account. Old Missouri Bank does not refund out-of-network ATM fees, which means you'll be required to search for an Old Missouri Bank ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Old Missouri Bank is a brick-and-mortar bank, with six total bank locations in Missouri. With mobile and web apps, Old Missouri Bank makes account access easy, even on the go. Old Missouri Bank's online and mobile banking services get mediocre feedback from customers. The Old Missouri Bank mobile app scored a 3.2 out of 5 (with 9 customer reviews on iOS and Android) compared to the national average of 3.8. Old Missouri Bank's mobile app allows you to control your bank accounts by looking at account balances, sending and receiving money as well as reaching customer service. Old Missouri Bank gets a superb consumer satisfaction score based on comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Old Missouri Bank ranks as a small bank and handles $387 million in assets and $315 million in deposits. Old Missouri Bank's Texas Ratio is 12.49%, suggesting a tiny opportunity of failure. Additionally, Old Missouri Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Old Missouri Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.2% APY $100
Certificates of Deposit
  • 12 Month: 1.81% APY
  • 24 Month: 2.11% APY
  • 36 Month: 2.62% APY
  • 48 Month: 2.77% APY
  • 60 Month: 3.02% APY
$1000 for all terms
Money Market Account 0.2% APY $25000

Old Missouri Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Old Missouri Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Old Missouri Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Old Missouri Bank Near Me

Old Missouri Bank has six physical locations across the U.S.

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