SOUTHWEST MISSOURI BANK
SOUTHWEST MISSOURI BANK is an FDIC-insured commercial bank headquartered in CARTHAGE, MO, established in 1979. As of , the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.13% ROA and 16.86% ROE, with a net interest margin of 3.71%. CET1 capital ratio: 15.03%, well above regulatory minimums. NPL ratio: 0.23% · Texas Ratio: 1.60%. Operates 11 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Southwest Missouri Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 | 15.03% | 1.13% | 0.23% | 1.60% | 3.71% |
| 2025-09-30 | 15.04% | 0.93% | 0.37% | 2.72% | 3.62% |
| 2025-06-30 | 14.97% | 0.94% | 0.37% | 2.98% | 3.49% |
| 2025-03-31 | 15.08% | 0.89% | 0.26% | 2.18% | 3.36% |
| 2024-12-31 | 14.94% | 0.77% | 0.28% | 2.42% | 3.26% |
| 2024-09-30 | 15.08% | 0.85% | 0.33% | 2.54% | 3.13% |
| 2024-06-30 | 15.16% | 0.65% | 0.35% | 3.06% | 2.99% |
| 2024-03-31 | 15.25% | 0.22% | 0.24% | 2.18% | 2.91% |
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Frequently asked about SOUTHWEST MISSOURI BANK
What are Southwest Missouri Bank's total assets?
As of the Q4 2025 filing, Southwest Missouri Bank reported total assets of $1.23 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southwest Missouri Bank headquartered?
Southwest Missouri Bank is headquartered in CARTHAGE, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southwest Missouri Bank founded?
Southwest Missouri Bank was established in 1979, per the FDIC institution directory.
Is Southwest Missouri Bank FDIC-insured?
Yes. Southwest Missouri Bank is an FDIC-insured commercial bank (FDIC Certificate #22876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwest Missouri Bank?
Southwest Missouri Bank'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 Southwest Missouri Bank's CET1 capital ratio?
Southwest Missouri Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.03% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Southwest Missouri Bank operate?
Southwest Missouri Bank operates 11 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Southwest Missouri Bank's Texas Ratio?
Southwest Missouri Bank's Texas Ratio is 1.60% — 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.