NORTHEAST MISSOURI STATE BANK

KIRKSVILLE, MO | Small | Est. Dec. 20, 1933, midnight | FDIC #13381 | RSSD #651158 | FDIC
Latest Report: 2025-12-31

NORTHEAST MISSOURI STATE BANK is asn small FDIC-insured commercial bank headquartered in KIRKSVILLE, MO, established in Dec. 20, 1933, midnight. As of 2025-12-31, the bank reported total assets of $158M and total deposits of $141M. Profitability stands at 1.42% ROA and 14.37% ROE, with a net interest margin of 3.02%. The bank's CET1 capital ratio is 21.23%, 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 #13381. The institution operates 1 domestic branch.

Assets

$158M

Deposits

$141M

Loans

$68M

Equity

$16M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 14.37%
Net Interest Margin (NIM) 3.02%
Yield on Assets 4.93%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 21.23%
Tier 1 Capital 21.23%
Total Capital Ratio 22.20%
Leverage Ratio 11.43%
Loan-to-Deposit 48.40%

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