FOUR STATES BANK

CARTHAGE, MO | Micro | Est. Aug. 26, 2024, midnight | FDIC #59352 | RSSD #5903517 | FDIC
Latest Report: 2025-12-31

FOUR STATES BANK is amn micro FDIC-insured commercial bank headquartered in CARTHAGE, MO, established in Aug. 26, 2024, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $72M. Profitability stands at -1.30% ROA and -5.32% ROE, with a net interest margin of 4.36%. The bank's CET1 capital ratio is 22.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59352.

Assets

$95M

Deposits

$72M

Loans

$71M

Equity

$21M

Profitability

Return on Assets (ROA) -1.30%
Return on Equity (ROE) -5.32%
Net Interest Margin (NIM) 4.36%
Yield on Assets 6.93%
Cost of Funds 3.67%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.13%

Capital & Liquidity

CET1 Ratio 22.31%
Tier 1 Capital 22.31%
Total Capital Ratio 23.43%
Leverage Ratio 26.15%
Loan-to-Deposit 98.72%

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