FIRST MISSOURI BANK OF SEMO

KENNETT, MO | Small | RSSD #991359
Latest Report: 2025-12-31

FIRST MISSOURI BANK OF SEMO is asn small FDIC-insured commercial bank headquartered in KENNETT, MO. As of 2025-12-31, the bank reported total assets of $211M and total deposits of $190M. Profitability stands at 1.43% ROA and 16.11% ROE, with a net interest margin of 4.85%. The bank's CET1 capital ratio is 11.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%.

Assets

$211M

Deposits

$190M

Loans

$189M

Equity

$19M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 16.11%
Net Interest Margin (NIM) 4.85%
Yield on Assets 6.75%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.88%

Capital & Liquidity

CET1 Ratio 11.37%
Tier 1 Capital 11.37%
Total Capital Ratio 12.63%
Leverage Ratio 8.55%
Loan-to-Deposit 99.18%

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