Bank 21 (FDIC #8560): Bank Stress & Real-Estate Credit Exposure

Bank 21 (FDIC Cert #8560): bank stress 35/100, contained, STABLE over 7 days; parent KNOTT HOLDING CO INC.

Bank 21 (#8560) lends in 4 counties across 1 state; Bank 21 (#8560) reaches 92 ZIP codes: Missouri 4 counties, 92 ZIPs.

Bank 21 (#8560) largest markets: Jackson County, MO (58 branches, 58 ZIPs) (#8560), Pettis County, MO (15 branches, 15 ZIPs) (#8560), Saline County, MO (13 branches, 13 ZIPs) (#8560), Carroll County, MO (20 branches, 10 ZIPs) (#8560).

Bank 21 (#8560) reports $202.1 million in total assets; Bank 21 (#8560) equity $22.6 million (11.2% of Bank 21 (#8560) assets); Bank 21 (#8560) domestic deposits $164.7 million; Bank 21 (#8560) net income $2.7 million; Bank 21 (#8560) return on assets 2.72%; Bank 21 (#8560) return on equity 24.35%; Bank 21 (#8560) net interest income $4.9 million; Bank 21 (#8560) call report June 30, 2026.

Bank 21 (#8560) noncurrent real-estate loans: none reported; Bank 21 (#8560) net charge-offs on real estate 0.06%.

Bank 21 (#8560) net interest margin 5.24% against an eight-quarter Bank 21 (#8560) average of 5.19% (Bank 21 (#8560) compression -0.06 points); Bank 21 (#8560) rate-exposure score 40/100, Bank 21 (#8560) fixed-rate trap 40/100; Bank 21 (#8560) risk type rate trapped; Bank 21 (#8560) rate regime rates elevated, Bank 21 (#8560) snapshot October 20, 2026.

Bank 21 (#8560) stress score moved from 33.7 on June 22, 2026 to 35.2 on October 20, 2026; Bank 21 (#8560) ranged 33.7 to 35.2 over 117 snapshots.

Bank 21 (#8560) alerts: 4 counties; top Bank 21 (#8560) alert scores: Blue Springs County, MO 15 (low); Carrollton County, MO 15 (low); Marshall County, MO 15 (low); Sedalia County, MO 15 (low).