BanksNORTHEAST MISSOURI STATE BANK

NORTHEAST MISSOURI STATE BANK

KIRKSVILLE, MOSmallEst. Dec. 20, 1933, midnightFDIC #13381RSSD #651158FDIC
Latest · 2025-12-31

NORTHEAST MISSOURI STATE BANK is an 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%. CET1 capital ratio: 21.23%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$158M
Deposits
$141M
Loans
$68M
Equity
$16M

Profitability

Return on Assets (ROA)1.42%
Return on Equity (ROE)14.37%
Net Interest Margin3.02%
Yield on Assets4.93%
Cost of Funds1.96%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio-0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.18%

Capital & Liquidity

CET1 Ratio21.23%
Tier 1 Capital21.23%
Total Capital Ratio22.20%
Leverage Ratio11.43%
Loan-to-Deposit48.40%

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