STATE BANK OF MISSOURI

CONCORDIA, MO | Small | Est. July 28, 1884, midnight | FDIC #10623 | RSSD #565844 | FDIC
Latest Report: 2025-12-31

STATE BANK OF MISSOURI is asn small FDIC-insured commercial bank headquartered in CONCORDIA, MO, established in July 28, 1884, midnight. As of 2025-12-31, the bank reported total assets of $138M and total deposits of $126M. Profitability stands at 1.05% ROA and 13.25% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 17.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.66% and a Texas Ratio of 11.26%. FDIC Certificate #10623.

Assets

$138M

Deposits

$126M

Loans

$81M

Equity

$11M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 13.25%
Net Interest Margin (NIM) 4.13%
Yield on Assets 5.47%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 1.66%
Net Charge-Off Ratio 0.01%
Texas Ratio 11.26%
NPA Ratio 0.97%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 17.27%
Tier 1 Capital 17.27%
Total Capital Ratio 18.52%
Leverage Ratio 8.71%
Loan-to-Deposit 64.07%

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