BELGRADE STATE BANK

BELGRADE, MO | Medium | Est. June 19, 1906, midnight | FDIC #12208 | RSSD #761244 | FED
Latest Report: 2025-12-31

BELGRADE STATE BANK is amn medium FDIC-insured commercial bank headquartered in BELGRADE, MO, established in June 19, 1906, midnight. As of 2025-12-31, the bank reported total assets of $535M and total deposits of $486M. Profitability stands at 0.73% ROA and 8.54% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 14.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.78% and a Texas Ratio of 12.48%. FDIC Certificate #12208.

Assets

$535M

Deposits

$486M

Loans

$384M

Equity

$45M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 8.54%
Net Interest Margin (NIM) 4.29%
Yield on Assets 6.53%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.78%
Net Charge-Off Ratio 0.32%
Texas Ratio 12.48%
NPA Ratio 1.16%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 14.34%
Tier 1 Capital 14.34%
Total Capital Ratio 15.59%
Leverage Ratio 9.66%
Loan-to-Deposit 79.11%

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