BanksPUTNAM COUNTY STATE BANK

PUTNAM COUNTY STATE BANK

UNIONVILLE, MOSmallEst. July 5, 1979, midnightFDIC #22895RSSD #382658FDIC
Latest · 2025-12-31

PUTNAM COUNTY STATE BANK is an 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%. CET1 capital ratio: 12.71%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.10%. Operates 2 domestic branches.

Assets
$314M
Deposits
$269M
Loans
$242M
Equity
$40M

Profitability

Return on Assets (ROA)1.36%
Return on Equity (ROE)10.04%
Net Interest Margin3.87%
Yield on Assets6.58%
Cost of Funds2.91%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio-0.01%
Texas Ratio0.10%
NPA Ratio0.01%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio12.71%
Tier 1 Capital12.71%
Total Capital Ratio13.35%
Leverage Ratio13.34%
Loan-to-Deposit90.14%

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