ST. CLAIR COUNTY STATE BANK

OSCEOLA, MO | Small | Est. May 1, 1896, midnight | FDIC #11002 | RSSD #692450 | FDIC
Latest Report: 2025-12-31

ST. CLAIR COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in OSCEOLA, MO, established in May 1, 1896, midnight. As of 2025-12-31, the bank reported total assets of $216M and total deposits of $185M. Profitability stands at 1.85% ROA and 13.53% ROE, with a net interest margin of 4.49%. The bank's CET1 capital ratio is 13.75%, 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 #11002.

Assets

$216M

Deposits

$185M

Loans

$160M

Equity

$30M

Profitability

Return on Assets (ROA) 1.85%
Return on Equity (ROE) 13.53%
Net Interest Margin (NIM) 4.49%
Yield on Assets 6.56%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 13.75%
Tier 1 Capital 13.75%
Total Capital Ratio 14.43%
Leverage Ratio 13.78%
Loan-to-Deposit 86.27%

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