FIRST STATE BANK OF PURDY

PURDY, MO | Small | Est. June 19, 1944, midnight | FDIC #16162 | RSSD #400057 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK OF PURDY is asn small FDIC-insured commercial bank headquartered in PURDY, MO, established in June 19, 1944, midnight. As of 2025-12-31, the bank reported total assets of $239M and total deposits of $212M. Profitability stands at 1.31% ROA and 17.38% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 12.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.13% and a Texas Ratio of 9.13%. FDIC Certificate #16162.

Assets

$239M

Deposits

$212M

Loans

$161M

Equity

$18M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 17.38%
Net Interest Margin (NIM) 4.36%
Yield on Assets 6.34%
Cost of Funds 2.04%

Asset Quality

NPL Ratio 1.13%
Net Charge-Off Ratio 0.21%
Texas Ratio 9.13%
NPA Ratio 0.76%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 12.03%
Tier 1 Capital 12.03%
Total Capital Ratio 13.04%
Leverage Ratio 7.98%
Loan-to-Deposit 76.10%

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