STATE BANK OF SOUTHWEST MISSOURI

SPRINGFIELD, MO | Small | Est. Sept. 16, 1985, midnight | FDIC #26358 | RSSD #293754 | FDIC
Latest Report: 2025-12-31

STATE BANK OF SOUTHWEST MISSOURI is asn small FDIC-insured commercial bank headquartered in SPRINGFIELD, MO, established in Sept. 16, 1985, midnight. As of 2025-12-31, the bank reported total assets of $171M and total deposits of $153M. Profitability stands at 0.83% ROA and 11.52% ROE, with a net interest margin of 4.44%. The bank's CET1 capital ratio is 10.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #26358.

Assets

$171M

Deposits

$153M

Loans

$140M

Equity

$12M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 11.52%
Net Interest Margin (NIM) 4.44%
Yield on Assets 6.07%
Cost of Funds 1.68%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.58%

Capital & Liquidity

CET1 Ratio 10.16%
Tier 1 Capital 10.16%
Total Capital Ratio 10.82%
Leverage Ratio 7.65%
Loan-to-Deposit 91.60%

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