BanksSTATE BANK OF MISSOURI

STATE BANK OF MISSOURI

CONCORDIA, MOSmallEst. July 28, 1884, midnightFDIC #10623RSSD #565844FDIC
Latest · 2025-12-31

STATE BANK OF MISSOURI is an 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%. CET1 capital ratio: 17.27%, well above regulatory minimums. NPL ratio: 1.66% · Texas Ratio: 11.26%. Operates 4 domestic branches.

Assets
$138M
Deposits
$126M
Loans
$81M
Equity
$11M

Profitability

Return on Assets (ROA)1.05%
Return on Equity (ROE)13.25%
Net Interest Margin4.13%
Yield on Assets5.47%
Cost of Funds1.34%

Asset Quality

NPL Ratio1.66%
Net Charge-Off Ratio0.01%
Texas Ratio11.26%
NPA Ratio0.97%
ACL / Loans1.09%

Capital & Liquidity

CET1 Ratio17.27%
Tier 1 Capital17.27%
Total Capital Ratio18.52%
Leverage Ratio8.71%
Loan-to-Deposit64.07%

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