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Live Well.  Bank Well.  Stay Well!

Bank of Bolivar/BOB Community Financial and The Bank of Missouri want you to know that we will always be concerned about you even more than your money.  During these uncertain times, rest assured that we are here to be a partner for both you and your finances.  We will update this page periodically as it becomes necessary to keep you informed.

Please stay well, and use wisdom in doing your part to help all of us return to normal soon!  Together, we will be stronger than ever.



We are excited to announce that, based on current conditions, BOB will reopen the lobbies of three of our six branches on Monday, June 1, then reopen the remaining three branches on Monday, June 8.  Here is the full reopen plan by branch:

  • June 1:  Bolivar - 495 S. Springfield Ave - 417.777.6500
  • June 1:  Bolivar - 2126 W. Broadway St - 417.326.0290
  • June 1:  Springfield - 2920 E. Chestnut Expwy - 417.616.6600
  • June 8:  Fair Grove - 40 N. Main St - 417.759.6500
  • June 8:  Marshfield - 1301 W. Jefferson St - 417.238.2500
  • June 8:  Springfield - 1339 E. Republic Rd - 417.380.5626

Enhanced safety protocols will be in effect at each banking center upon reopening:

  • PPE supplies (sanitizer, masks, gloves, and/or wipes) will be available inside the front door for those wishing to utilize them.  Masks and gloves are optional, while use of hand sanitizer is encouraged.
  • For security reasons, customers entering the bank with a mask on will be required to remove it for five seconds in view of security cameras just inside the front door before replacing it and proceeding on.
  • Social distancing of 6' is requested and floor markers will assist you in approaching bank workstations.
  • Open teller workstations are now equipped with safety shields for the protection of all.
  • In-branch beverages will be unavailable until further notice.
  • If you have special requests or concerns with conducting your banking safely, please bring this to our attention and we will make every attempt to accommodate you.
  • Whenever possible, you may find it safer and more efficient to call your branch ahead of time to discuss whether certain documents can be prepared for handling or signing in the bank's drive-thru lane.
  • Special instructions, if any, will be posted inside the front door to assist with smooth customer traffic flow and operations.

Thank you for patiently allowing us to prioritize safety before returning to business as "usual."



The first question on everyone's mind right now is likely, "So when can we all just get back to business as usual?"  This is very understandable due to spring fever and since - for many businesses - staying closed means no income, plain and simple.

Another question immediately comes to mind, however:  "But is it safe to get back to 'normal?'"  Each business, each person, will need to give careful thought to what is necessary for them to lead a safe AND normal life going forward.  How will we shop?  Be entertained?  Attend events?  Be social?

Please understand that here at BOB, the safety of customers and employees is foremost.  Since essential banking functions are possible either online, through safe distancing, or by appointment now, our plan for reopening our lobbies to regular traffic will be driven by safety rather than consensus.  Regardless of when other businesses reopen, we will do so only when esssential safety measures (barriers, signage, PPE, etc., as deemed necessary) are fully in place.

With all of this in mind, our bank's current plan is to continue lobby banking by appointment only through the end of May.  Drive-thrus will continue their regular hours.  Keep checking this page, however, as it will be updated with our new operating policy whenever it changes.

Thank you for your understanding and patience as we hope to put this all behind us... for good!



If you own a small business that was unable to benefit from the first round of SBA Paycheck Protection Program funds, then please contact us right away as a new appropriation of $310 billion has just been approved.  Recognizing the value of community banks, congress specifically earmarked $60 billion of this allocation for customers of small banks.  As before, however, these funds are expected to go quickly, so don't delay.  Information below on this page contains links to more information regarding this program, including this link:   Learn more about eligibility and loan specifics from the US Chamber of Commerce >>



Online banking provider NCR reports that online and mobile banking platforms have stabilized after providing additional capacity to handle increased traffic demands due to social distancing.  BOB and our customers appreciate NCR's responsiveness in addressing this need quickly and tenaciously.



Many Americans will soon receive an economic impact payment as part of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act).  These direct deposits or checks can provide welcome relief to the millions of people impacted by coronavirus.  The payments also come with a lot of questions.  Here’s what we know so far.


* Do I Qualify for a Payment and How Much?

There are income thresholds to determine if you receive the full payment, a partial payment, or no payment at all.  Let’s take a look at the income guidelines and payment amounts.

Income Requirements for a Full Payment

Your adjusted gross income (AGI) is used to determine your payment.  Here are the income requirements to receive the maximum economic impact payment.


Individual Filers

Head of Household Filers

Married, Filing Jointly

AGI to receive the full payment

Up to $75,000

Up to $112,500

Up to $150,000

Payment amount

$1,200, plus an additional $500 per child

$1,200, plus an additional $500 per child

$2,400, plus an additional $500 per child

Income Requirements for Reduced Payments

Individuals who make more than the income requirement for full payment and fall in the ranges shown below may be eligible for a reduced payment.


Individual Filers

Head of Household Filers

Married, Filing Jointly

AGI to receive the reduced payment

Over $75,000 and up to $99,000

Over $112,500 and up to $136,500

Over $150,000 and up to $198,000

Payment amount

The full payment amount will be reduced by $5 for each $100 above the $75,000 threshold

The full payment amount will be reduced by $5 for each $100 above the $112,500 threshold

The full payment amount will be reduced by $5 for each $100 above the $150,000 threshold

Most Americans are eligible provided they meet the income guidelines, are a US citizen, have a social security number, and are not claimed as a dependent of another taxpayer. Retirees and recipients of Social Security, Railroad Retirement, disability or veterans' benefits are eligible.  Also, taxpayers who do not make enough money to normally have to file a tax return will receive payments.  For more information about other eligibility requirements, visit the IRS economic impact payment information center.


* Will I Get an Electronic Payment or a Check?

The US Treasury anticipates being able to make 95% of the payments electronically.

You will likely receive an electronic payment if the IRS has bank account information on file from your 2018 or 2019 taxes.  Social Security recipients will receive their payments based on the direct deposit information on file with the Social Security Administration.

Individuals likely to receive a paper check will soon have the opportunity to provide direct deposit information.  The IRS is developing a web-based portal to allow you to provide your information, which should be available mid-April.

SCAM ALERT:  Be watchful of false sites claiming to be the IRS needing your bank account information.  When the portal becomes available, we recommend you access it by visiting the IRS website. This will help ensure you are visiting the correct site and not a fraudulent site.


* When Will My Payment Arrive?

Direct deposit payments are expected to begin arriving in accounts the week of April 13.  Payments are staggered, with the majority of direct deposits being received throughout April.  Paper checks will likely not be issued until the first rounds of direct deposits have been made.  Some experts warn there could be quite a delay in paper checks.


* What Action Do I Need to Take?

If you have filed taxes in 2018 or 2019, you don’t need to take any action.  We recommend you file your 2019 taxes as soon as possible if you have not already done so.  If you have not yet filed a return for 2019, the IRS will use your 2018 return for your direct deposit information and your payment calculation.

If you are getting a refund, we encourage you to use direct deposit so the IRS has your information.  Again, you’ll want to do this as soon as possible.  If you are making a payment to the IRS when you file, consider using your bank account for the payment so the IRS has your account on file.

If you do not typically file a tax return, see if you need to take action by visiting the IRS economic impact payment information center. For non-filers who need to provide payment information, a portal is now available.  Learn more at the IRS website.


* What if the Bank Account I Provided to the IRS is No Longer an Active Account?

We encourage you to reach out to us as soon as possible if you think you may receive a payment to a closed BOB account.  Give us a call at either 417.777.6500 or at your local branch.  There may be ways we can assist you in still getting your payment electronically.

Also, the IRS is launching a portal mid-April that will allow you to enter updated information, as well as track the status of your payment.  When it's available, be sure to access the portal directly from the IRS website.


* Is My Economic Impact Payment Taxable?

No, your payment will not be taxed.  Rather, the payment is structured as an advanced, refundable credit against the taxpayer’s 2020 tax liability.  Contact your tax advisor if you have questions.


* What if My 2020 Income is Different?

If you qualify based on your income in 2019, but make too much in 2020, you are still eligible.  It looks like you will not have to pay back the overpayment.

Some people may have been ineligible by income limits based on 2019 taxes, but would now meet eligibility due to a loss of income this year.  The final amount of payment will be determined based on 2020 income and settled on your 2020 tax return.  Meaning if you have a change that qualifies you for a larger payment (like a decrease in income or having a child in 2020), you should be compensated when you file your 2020 taxes.  This will likely be a larger refund or a smaller tax liability in 2021.  If you have questions, you’ll want to contact your tax advisor.


* How Can I Stay Safe From Scams?

You can bet when there’s money involved, scammers will be hard at work trying to get their hands on your payment.  Please be very watchful of scams.  A common one we expect to see is a scammer sending a fake check in the mail that is larger than your payment should be.  They will ask you to send the portion that is an overpayment back to them in gift cards, wires or by check.  The IRS will not send you an overpayment and you will not need to return any funds to the IRS.  You can be sure this is a scam if you see something like this.

Also, the IRS will not contact you asking for your bank account number or your Online Banking login information.  We expect to see a lot of scammers calling or emailing you claiming they need your information to process your payment.  The IRS will use the information they already have on file for you or they will mail you a paper check.  As mentioned earlier, they may also set up a portal for you to enter your information and you should visit the IRS website to access that portal when it becomes available.  Be wary of any other websites asking for your information to process your payment.  And remember, the IRS will not call or email you in relation to your economic impact payment.



BOB is committed to the success of local businesses as they navigate the coronavirus situation. That's why we're offering relief programs to our customers. Additionally, we're closely following the still developing details around The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) in order to best help our customers take advantage of its offerings.


* Call BOB for Small Business Assistance

We are working diligently to prepare businesses to make the most of the CARES Act. Below, we'll cover some of the common assistance options available. Let's have a conversation about the best solutions for you. We have a dedicated team ready to assist you, whether you're looking for relief on your current loan or are looking to make use of a CARES Act program.

Give us a call today:  Bolivar (downtown) - 417.777.6500 | Bolivar (west) - 417.326.0290 | Fair Grove - phone: 417.759.6500 | Springfield (east) - phone: 417.616.6600 | Springfield (south) - phone: 417.380.5626 | Marshfield - phone: 417.238.2500


* Relief Options from BOB

Our bank has a variety of loan assistance options. This may include interest-only payments or payment deferrals. In addition to relief on existing loans, we’re available for businesses who need new loans at this time.

Other solutions are available on an individualized basis. Your business is unique and your needs are unique during this unprecedented time. Let's have a conversation. We are committed to our local businesses, and we're here to help. Reach out to your banker or give us a call at the numbers listed above.


* The CARES Act Relief for Small Businesses

The CARES Act is set to bring much needed relief to small businesses. There are two loan programs that can be of particular help to your businesses. While exact details of the CARES Act are still being worked out, here's what we know so far.

Paycheck Protection Program

The Paycheck Protection Program (PPP) allocates $349 billion to provide 100% federally guaranteed loans to small businesses. Funds can be used for payroll costs, interest on mortgage payments, rent, and utilities for business that maintain payroll.

Under this program, loan payments are deferred for six months. Also, a portion of the loan proceeds used to cover the first eight weeks of payroll may be forgiven when certain conditions are met.

Learn more about eligibility and loan specifics from the US Chamber of Commerce >>

Relief for 7(a) SBA Loans

This is another big win for small businesses. The CARES Act authorizes $17 billion in relief for existing and new 7(a) SBA loans. Under this program, The SBA will pay the principal and interest on current 7(a) loans for a period of six months. Additionally, the SBA will pay the principal and interest on new 7(a) loans issued prior to September 27, 2020.

How BOB Can Help

Bank of Bolivar/BOB Community Financial is ready to help businesses apply for Paycheck Protection Loans and 7(a) SBA loans. As we await final information from the SBA on these new programs, we are working with borrowers to begin gathering the necessary paperwork. We're also working with customers who have existing SBA loans, so they are ready to take advantage of loan relief.


* Economic Injury Disaster Loans and Loan Advice

This relief program was announced ahead of the CARES Act. The Economic Injury Disaster Loan program allows eligible businesses to apply for an advance of up to $10,000, which does not have to be repaid. The program also provides small businesses with working capital loans of up to $2 million, aimed at helping overcome a temporary loss of revenue. Funds for the $10,000 advance are available within three days of a successful application.

Keep in mind, you cannot utilize both the Economic Injury Disaster Loan and the Paycheck Protection Program. It's one or the other.

Apply for an Economic Disaster Injury Loan >>

How BOB Can Help

You would need to apply directly through the SBA for an Economic Injury Disaster Loan. Still, our team is available to answer any questions you have and help you evaluate your loan options so you can choose what's best for your business.


View COVID Lobby Access Questionnaire [PDF] >>




View COVID Banking Statement by CEO Brad Gregory [PDF] >>