STATE BANK OF MISSOURI
STATE BANK OF MISSOURI is an FDIC-insured commercial bank headquartered in CONCORDIA, MO, established in 1884. As of , 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 3.86%. CET1 capital ratio: 17.27%, well above regulatory minimums. NPL ratio: 1.66% · Texas Ratio: 11.26%. Operates 4 domestic branches.
Capital & Liquidity
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State Bank of Missouri rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.27% | 1.05% | 1.66% | 11.26% | 3.86% |
| 2025-09-30 | 17.34% | 1.48% | 2.08% | 14.18% | 3.81% |
| 2025-06-30 | 17.67% | 1.20% | 2.60% | 17.99% | 3.46% |
| 2025-03-31 | 17.77% | 1.07% | 2.53% | 18.07% | 3.19% |
| 2024-12-31 | 18.23% | 0.93% | 2.40% | 17.44% | 3.28% |
| 2024-09-30 | 18.10% | 1.04% | 1.04% | 7.24% | 3.03% |
| 2024-06-30 | 18.66% | 0.87% | 0.36% | 6.73% | 3.00% |
| 2024-03-31 | 18.17% | 0.88% | 1.17% | 8.90% | 2.84% |
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Frequently asked about STATE BANK OF MISSOURI
What are State Bank of Missouri's total assets?
As of the Q4 2025 filing, State Bank of Missouri reported total assets of $138.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank of Missouri headquartered?
State Bank of Missouri is headquartered in CONCORDIA, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank of Missouri founded?
State Bank of Missouri was established in 1884, per the FDIC institution directory.
Is State Bank of Missouri FDIC-insured?
Yes. State Bank of Missouri is an FDIC-insured commercial bank (FDIC Certificate #10623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Missouri?
State Bank of Missouri's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank of Missouri's CET1 capital ratio?
State Bank of Missouri reported a Common Equity Tier 1 (CET1) capital ratio of 17.27% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does State Bank of Missouri operate?
State Bank of Missouri operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Bank of Missouri's Texas Ratio?
State Bank of Missouri's Texas Ratio is 11.26% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.