Four States Bank
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Data as of · sourced from FFIEC call reports. How we update
Four States Bank is an FDIC-insured commercial bank headquartered in Carthage, MO, established in 2024 (FDIC certificate 59352), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $142.1M, the 151st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59352
- Headquarters
- Carthage, MO
- Established
- 2024
- Total assets, Q2 2026
- $142.1M
- Tier 1 leverage ratio, Q2 2026
- 15.85%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101219761
- Latest call report
- Q2 2026, FFIEC 051 · Four States Bank call report
- Holding company
- FOUR STATES BANCSHARES, INC.
- Asset rank in state
- 151st of 191 in Missouri
Four States Bank spends more to run itself than most banks of its size. Based in Carthage, Missouri, it had $142 million in assets at June 30, 2026, against $73 million a year earlier. It earns about $0.04 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 3.40% on its deposits and borrowings, about double the median of 1.80% for banks its size.
Costs are the weak spot: it spends about 83 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Four States Bank reported a return on assets of 0.04%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Four States Bank ranks as the 151st 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 22.0% to $142.1M, loans rose 19.8% and deposits rose 23.3%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 26.8% of total loans, followed by 1-4 family residential loans at 15.9%. The FDIC Summary of Deposits lists 4 offices for it, in Carthage, MO, Springfield, MO and Joplin, MO; its Carthage 2 offices book 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Four States Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 213 Lyon St, Carthage, MO 64836
- County
- Jasper
- Metro Area
- Joplin, MO-KS
- 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
- August 26, 2024
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $114.3M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $134.3M
- Average total loans
- $95.3M
- Average interest-bearing deposits
- $95.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 26, 2024
- FDIC Cert
- 59352
- Fed RSSD
- 5903517
- Website
- www.4sb.com →
- Parent Holding Company
- FOUR STATES BANCSHARES, INC. (RSSD 5932825)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Four States Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Four States Bank's total assets moved between a low of $52.2M (Q4 2024) and a high of $142.1M (Q2 2026) from Q4 2024 to Q2 2026, and it earned a profit in 2 of the 7 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$142.1M total assets against $72.5M; $120.8M total liabilities against $50.8M.
$102.2M net loans and leases against $47.1M; $114.3M total deposits against $50.1M.
$5.8M securities against $0; $28.5M cash and balances due against $22.6M.
$2.2M total interest income against $1.1M; $918K total interest expense against $410K.
$1.2M net interest income against $653K.
$388K total noninterest income against $91K; $1.3M total noninterest expense against $931K.
$270K provision for credit losses against $174K.
$14K net income against -$361K.
0.04% return on assets against -2.20%; 3.87% net interest margin against 4.19%.
15.85% tier 1 leverage ratio against 33.02%.
Inside the full Four States Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFour States Bank rankings
Its closest position to the top of a national ranking is 3,347 of 4,196, for total assets; its furthest is 3,583 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -18.68% (Q3 2024) to 0.04% (Q2 2026) and its net interest margin ran from 1.96% (Q3 2024) to 5.76% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.85% | 0.04% | 0.00% | 0.00% | 3.87% |
| Q1 2026 | 20.53% | 0.01% | 0.00% | 0.00% | 4.10% |
| Q4 2025 | 26.15% | -1.40% | 0.00% | 0.00% | 4.54% |
| Q3 2025 | 27.43% | -0.66% | 0.00% | 0.00% | 4.37% |
| Q2 2025 | 33.02% | -2.20% | 0.00% | 0.00% | 4.19% |
| Q1 2025 | 40.66% | -1.31% | 0.00% | 0.00% | 4.68% |
| Q4 2024 | 61.93% | -6.76% | 0.00% | 0.00% | 5.76% |
| Q3 2024 | 96.81% | -18.68% | 0.00% | 0.00% | 1.96% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Garrison Branch | Carthage , MO | 64836 | $46.6M |
| Springfield S Glenstone Branch | Springfield , MO | 65804 | $46.2M |
| Range Line Branch | Joplin , MO | 64801 | $21.5M |
| Four States Bank (main office) | Carthage , MO | 64836 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 187 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Four States Bank
What are Four States Bank's total assets?
As of the Q2 2026 filing, Four States Bank reported total assets of $142.1 million in its FFIEC call report.
Where is Four States Bank headquartered?
It is headquartered in Carthage, MO, United States.
When was Four States Bank founded?
It was established in 2024, per the FDIC institution directory.
Is Four States Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Four States Bank?
Four States Bank's primary federal regulator is the FDIC.
How many branches does Four States Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Four States Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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