Chillicothe State Bank
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Data as of · sourced from FFIEC call reports. How we update
Chillicothe State Bank is an FDIC-insured commercial bank headquartered in Chillicothe, MO, established in 1937 (FDIC certificate 15546), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $135.2M, up 1.0% from Q2 2025, the 152nd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 17.10% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15546
- Headquarters
- Chillicothe, MO
- Established
- 1937
- Total assets, Q2 2026
- $135.2M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 17.10%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101901419
- Latest call report
- Q2 2026, FFIEC 051 · Chillicothe State Bank call report
- Holding company
- C.S. BANCSHARES, INC.
- Asset rank in state
- 152nd of 191 in Missouri
Chillicothe State Bank, based in Chillicothe, Missouri, reported $135 million in assets at June 30, 2026, up 1.0% from a year earlier. It pays an average of 0.91% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 7.89% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.72% of loans from 1.39%. Earnings fell sharply: quarterly net income of $417,000 was 33% below a year earlier.
As of June 30, 2026, Chillicothe State Bank reported a CET1 capital ratio of 17.10%, a return on assets of 1.22%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 4.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Chillicothe State Bank is the 152nd largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 2.8% to $135.2M, loans rose 3.3% and deposits fell 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 44.6% of total loans, followed by farmland and other real estate loans at 24.5%. The FDIC Summary of Deposits lists 2 offices for it, in Chillicothe, MO. By the capital ratios in its Q2 2026 call report, Chillicothe State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 Washington St, Chillicothe, MO 64601
- County
- Livingston
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 19, 1937
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $122.7M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $137.3M
- Average total loans
- $74.7M
- Average interest-bearing deposits
- $88.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 22, 1937
- FDIC Cert
- 15546
- Fed RSSD
- 504142
- Website
- www.gostatebank.com →
- Parent Holding Company
- C.S. BANCSHARES, INC. (RSSD 1138786)
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, Chillicothe State Bank's total assets ranged from $133.8M (Q2 2025) to $143.9M (Q1 2024), 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
$135.2M total assets against $133.8M; $123.6M total liabilities against $122.3M.
$74.3M net loans and leases against $72.2M; $122.7M total deposits against $121.3M.
$47.6M securities against $48.6M; $9.5M cash and balances due against $9.1M.
$1.6M total interest income against $1.5M; $283K total interest expense against $250K.
$1.3M net interest income against $1.3M.
$140K total noninterest income against $437K; $939K total noninterest expense against $887K.
$0 provision for credit losses against $0.
$417K net income against $620K.
1.22% return on assets against 1.83%; 4.01% net interest margin against 3.81%.
17.10% CET1 capital ratio against 20.15%; 7.89% tier 1 leverage ratio against 9.31%.
Inside the full Chillicothe State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeChillicothe State Bank rankings
Its closest position to the top of a national ranking is 580 of 2,134, for CET1 ratio; its furthest is 3,412 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q4 2025) to 1.83% (Q2 2025) and its net interest margin ran from 3.50% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.10% | 1.22% | 0.72% | 4.24% | 4.01% |
| Q1 2026 | 19.87% | 1.25% | 0.78% | 4.59% | 3.89% |
| Q4 2025 | 19.45% | 0.57% | 0.84% | 4.96% | 3.94% |
| Q3 2025 | 19.04% | 1.23% | 0.83% | 5.08% | 3.85% |
| Q2 2025 | 20.15% | 1.83% | 1.39% | 8.13% | 3.81% |
| Q1 2025 | 20.31% | 1.15% | 1.23% | 7.35% | 3.57% |
| Q4 2024 | 20.29% | 0.84% | 1.09% | 6.75% | 3.60% |
| Q3 2024 | 19.53% | 1.22% | 0.89% | 5.52% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Chillicothe State Bank (main office) | Chillicothe , MO | 64601 | $122.7M |
| Drive-In Facility | Chillicothe , MO | 64601 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 183 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $94K approved, $94K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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
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Frequently asked about Chillicothe State Bank
What are Chillicothe State Bank's total assets?
As of the Q2 2026 filing, Chillicothe State Bank reported total assets of $135.2 million in its FFIEC call report.
Where is Chillicothe State Bank headquartered?
It is headquartered in Chillicothe, MO, United States.
When was Chillicothe State Bank founded?
It was established in 1937, per the FDIC institution directory.
Is Chillicothe State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chillicothe State Bank?
Chillicothe State Bank's primary federal regulator is the FDIC.
What is Chillicothe State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Chillicothe State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Chillicothe State Bank's Texas Ratio?
Its Texas Ratio is 4.24% 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.
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