FIRST MISSOURI STATE BANK

POPLAR BLUFF, MO | Small | RSSD #825454
Latest Report: 2025-12-31

FIRST MISSOURI STATE BANK is asn small FDIC-insured commercial bank headquartered in POPLAR BLUFF, MO. As of 2025-12-31, the bank reported total assets of $278M and total deposits of $245M. Profitability stands at 1.39% ROA and 16.17% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 12.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.25%.

Assets

$278M

Deposits

$245M

Loans

$220M

Equity

$24M

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 16.17%
Net Interest Margin (NIM) 3.99%
Yield on Assets 6.76%
Cost of Funds 2.81%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.25%
NPA Ratio 0.02%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 12.12%
Tier 1 Capital 12.12%
Total Capital Ratio 13.38%
Leverage Ratio 8.56%
Loan-to-Deposit 89.58%

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