Belgrade State Bank
BankRegReports is independent of Belgrade State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Belgrade State Bank is an FDIC-insured commercial bank headquartered in Belgrade, MO, established in 1906 (FDIC certificate 12208), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $548.0M, up 8.0% from Q2 2025, the 66th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12208
- Headquarters
- Belgrade, MO
- Established
- 1906
- Total assets, Q2 2026
- $548.0M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 15.07%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081908833
- Holding company
- TURNER BANCSHARES, INC.
- Asset rank in state
- 66th of 191 in Missouri
Belgrade State Bank is one of the more profitable banks of its size. It reported $548 million in assets at June 30, 2026, up 8.0% from a year earlier. It returns 19.1% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.35% of loans, down from 0.48% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.4 million equal 12% of Tier 1 capital, down from 17% a year earlier.
As of June 30, 2026, Belgrade State Bank reported a CET1 capital ratio of 15.07%, a return on assets of 1.69%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 4.16%. The figures come from its call report filed with the FFIEC.
Belgrade State Bank ranks as the 66th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $548.0M, loans rose 5.6% and deposits rose 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.4% of total loans, followed by owner-occupied commercial real estate loans at 15.3%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in MO; its Potosi 2 offices book 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Belgrade State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 14185 Highway C, Belgrade, MO 63622
- County
- Washington
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 19, 1906
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $495.3M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $153K
- Average total assets
- $538.9M
- Average total loans
- $400.7M
- Average interest-bearing deposits
- $435.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12208
- Fed RSSD
- 761244
- Website
- belgradestatebank.com →
- Parent Holding Company
- TURNER BANCSHARES, INC. (RSSD 1136988)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Belgrade State Bank's total assets ranged from $429.2M (Q3 2023) to $548.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$548.0M total assets against $507.6M; $499.0M total liabilities against $466.7M.
$407.8M net loans and leases against $374.6M; $495.3M total deposits against $462.8M.
$82.6M securities against $64.6M; $33.5M cash and balances due against $44.4M.
$8.2M total interest income against $7.8M; $2.6M total interest expense against $2.8M.
$5.6M net interest income against $5.0M.
$993K total noninterest income against $981K; $3.5M total noninterest expense against $3.2M.
$90K provision for credit losses against $90K.
$2.3M net income against $2.2M.
1.69% return on assets against 1.74%; 4.31% net interest margin against 4.17%.
15.07% CET1 capital ratio against 14.12%; 10.13% tier 1 leverage ratio against 9.64%.
Inside the full Belgrade State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBelgrade State Bank rankings
Its closest position to the top of a national ranking is 920 of 3,611, for ROA; its furthest is 1,529 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q4 2025) to 1.74% (Q2 2025) and its net interest margin ran from 4.02% (Q1 2025) to 4.31% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 1.69% | 0.35% | 4.16% | 4.31% |
| Q1 2026 | 15.09% | 1.49% | 0.42% | 5.94% | 4.14% |
| Q4 2025 | 14.34% | 0.74% | 0.84% | 12.93% | 4.17% |
| Q3 2025 | 14.40% | 1.49% | 1.97% | 15.94% | 4.20% |
| Q2 2025 | 14.12% | 1.74% | 0.48% | 4.42% | 4.17% |
| Q1 2025 | 14.04% | 1.44% | 0.25% | 2.46% | 4.02% |
| Q4 2024 | 13.87% | 1.17% | 0.38% | 3.56% | 4.11% |
| Q3 2024 | 13.93% | 1.49% | 0.16% | 2.24% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Potosi Branch | Potosi , MO | 63664 | $186.4M |
| West Karsch Boulevard Branch | Farmington , MO | 63640 | $166.3M |
| Desloge | Desloge , MO | 63601 | $78.0M |
| Belgrade State Bank (main office) | Belgrade , MO | 63622 | $55.1M |
| Caledonia Drive-In Facility | Caledonia , MO | 63631 | $9.4M |
| 801 East High | Potosi , MO | 63664 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 82 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $1.9M approved, $387K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Belgrade State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Belgrade State Bank
What are Belgrade State Bank's total assets?
As of the Q2 2026 filing, Belgrade State Bank reported total assets of $548.0 million in its FFIEC call report.
Where is Belgrade State Bank headquartered?
It is headquartered in Belgrade, MO, United States.
When was Belgrade State Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Belgrade State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12208). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Belgrade State Bank?
Belgrade State Bank's primary federal regulator is the Federal Reserve.
What is Belgrade State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Belgrade State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Belgrade State Bank's Texas Ratio?
Its Texas Ratio is 4.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Belgrade State Bank.
Get an email when Belgrade State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Belgrade State Bank, freeFree account