Applications / Mortgage Analytics / Lenders / Missouri / O'Bannon Banking Company
Buffalo, MO · State non-member bank · FDIC · $321 million assets · 56 loans in 2025
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56
loans originated, 2025
73
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
O'Bannon Banking Company made fewer loans in 2025 but lent far more money, and half of its 56 loans went to LMI borrowers, a higher share than almost all similar banks.
Loans fell 12% to 56, while the typical similar lender (state non-member banks making between half and twice as many loans) grew 7% and the whole market 10%. Yet dollars lent rose from $13.9 million to $24.6 million, higher than about seven in ten peers. A few larger loans can do this at such a small volume, so one year is a thin basis for a trend.
LMI (low- and moderate-income) borrowers took 50.0% of its loans, up from 20.6% and higher than about nineteen in twenty peers, whose typical share was 27.0%. Its 25.0% share in LMI areas was higher than the typical peer's 18.6%. Built on 56 loans, these shares can swing widely; lower incomes in rural Missouri counties may also lift them.
Manufactured homes made up 17.9% of its loans, against 2.7% for the typical peer, higher than about nine in ten similar banks. Refinancing (42.9%) and purchases (41.1%) made up most of the rest. A rural market where such homes are common may explain the mix.
Its share in Springfield rose from 0.4% to 0.6%, ranking 38 of 351, behind Flat Branch Mortgage and The Central Trust Bank. It has lent there since 2003, its first year in the HMDA data. It filed no HMDA report for 2020 or 2021.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. O'Bannon Banking Company took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.9% · Purchase 41.1% · Home improvement 10.7% · Other 5.4%
Conventional 100.0% · of 56 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 47 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VPLEP8CE1FD910 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 955940 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38295 | 2003–2017 |
Established 20 November 1905. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: O'Bannon Banking Company's data.
O'Bannon Banking Company's data
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O'Bannon Banking Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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