SENATH STATE BANK

SENATH, MO | Small | Est. Jan. 1, 1935, midnight | FDIC #15101 | RSSD #203052 | FDIC
Latest Report: 2025-12-31

SENATH STATE BANK is asn small FDIC-insured commercial bank headquartered in SENATH, MO, established in Jan. 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $106M and total deposits of $90M. Profitability stands at 1.95% ROA and 12.71% ROE, with a net interest margin of 4.52%. The bank's CET1 capital ratio is 14.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.04%. FDIC Certificate #15101. The institution operates 1 domestic branch.

Assets

$106M

Deposits

$90M

Loans

$54M

Equity

$16M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 12.71%
Net Interest Margin (NIM) 4.52%
Yield on Assets 5.76%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.04%
NPA Ratio 0.01%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 14.92%
Tier 1 Capital 14.92%
Total Capital Ratio 15.66%
Leverage Ratio 15.81%
Loan-to-Deposit 60.36%

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