PUTNAM COUNTY STATE BANK

UNIONVILLE, MO | Small | Est. July 5, 1979, midnight | FDIC #22895 | RSSD #382658 | FDIC
Latest Report: 2025-12-31

PUTNAM COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in UNIONVILLE, MO, established in July 5, 1979, midnight. As of 2025-12-31, the bank reported total assets of $314M and total deposits of $269M. Profitability stands at 1.36% ROA and 10.04% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 12.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.10%. FDIC Certificate #22895.

Assets

$314M

Deposits

$269M

Loans

$242M

Equity

$40M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 10.04%
Net Interest Margin (NIM) 3.87%
Yield on Assets 6.58%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.10%
NPA Ratio 0.01%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 12.71%
Tier 1 Capital 12.71%
Total Capital Ratio 13.35%
Leverage Ratio 13.34%
Loan-to-Deposit 90.14%

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