Northeast Missouri State Bank
Also written as NMSB
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Data as of · sourced from FFIEC call reports. How we update
Northeast Missouri State Bank is an FDIC-insured commercial bank headquartered in Kirksville, MO, established in 1933 (FDIC certificate 13381), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $164.1M, up 9.1% from Q2 2025, the 133rd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 21.24% 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
- 13381
- Headquarters
- Kirksville, MO
- Established
- 1933
- Total assets, Q2 2026
- $164.1M
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 21.24%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081505184
- Latest call report
- Q2 2026, FFIEC 051 · Northeast Missouri State Bank Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- SCHUYLER COUNTY BANCSHARES, INC.
- Asset rank in state
- 133rd of 191 in Missouri
Northeast Missouri State Bank, based in Kirksville, Missouri, reported $164 million in assets at June 30, 2026, up 9.1% from a year earlier. It keeps 2.99 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). On the other hand, it holds commercial real estate loans equal to only 6% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 27% from a year earlier, to $637,000. Over the same year, loans grew 4.4% and deposits grew 8.2%.
As of June 30, 2026, Northeast Missouri State Bank reported a CET1 capital ratio of 21.24%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.21%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Northeast Missouri State Bank is the 133rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $164.1M, loans rose 2.0% and deposits fell 0.3%. 1-4 family residential loans made up 31.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 29.2%. The FDIC Summary of Deposits lists 2 offices for it, in La Plata, MO and Kirksville, MO; its La Plata office books 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Northeast Missouri State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 S Baltimore St, Kirksville, MO 63501
- County
- Adair
- Metro Area
- Kirksville, MO
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 20, 1933
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $147.4M
- Allowance for credit losses
- $797K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $165.2M
- Average total loans
- $66.7M
- Average interest-bearing deposits
- $111.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1934
- FDIC Cert
- 13381
- Fed RSSD
- 651158
- Parent Holding Company
- SCHUYLER COUNTY BANCSHARES, INC. (RSSD 1100055)
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
Over the 12 quarters to Q2 2026, Northeast Missouri State Bank's total assets ran between $131.5M (Q3 2023) and $164.6M (Q1 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
$164.1M total assets against $150.4M; $148.1M total liabilities against $136.9M.
$66.1M net loans and leases against $63.3M; $147.4M total deposits against $136.3M.
$70.0M securities against $67.6M; $20.8M cash and balances due against $12.4M.
$1.8M total interest income against $1.6M; $672K total interest expense against $662K.
$1.2M net interest income against $976K.
$72K total noninterest income against $74K; $599K total noninterest expense against $548K.
No provision recorded in the last 12 quarters.
$637K net income against $502K.
1.54% return on assets against 1.34%; 2.99% net interest margin against 2.75%.
21.24% CET1 capital ratio against 21.07%; 11.11% tier 1 leverage ratio against 11.58%.
Inside the full Northeast Missouri State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNortheast Missouri State Bank rankings
Its closest position to the top of a national ranking is 279 of 2,134, for CET1 ratio; its furthest is 3,149 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q3 2024) to 1.54% (Q2 2026) and its net interest margin ran from 2.48% (Q3 2024) to 2.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.24% | 1.54% | 0.02% | 0.21% | 2.99% |
| Q1 2026 | 22.91% | 1.49% | 0.03% | 0.25% | 2.91% |
| Q4 2025 | 21.23% | 1.41% | 0.59% | 2.77% | 2.95% |
| Q3 2025 | 22.38% | 1.53% | 3.07% | 14.94% | 2.90% |
| Q2 2025 | 21.07% | 1.34% | 0.13% | 0.70% | 2.75% |
| Q1 2025 | 21.55% | 1.16% | 0.05% | 0.30% | 2.64% |
| Q4 2024 | 21.10% | 1.08% | 0.00% | 0.00% | 2.53% |
| Q3 2024 | 21.24% | 0.95% | 1.23% | 6.31% | 2.48% |
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 |
|---|---|---|---|
| La Plata State Bank Branch | La Plata , MO | 63549 | $84.6M |
| Northeast Missouri State Bank (main office) | Kirksville , MO | 63501 | $62.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 10, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 8, 2006 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 2, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 164 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $235K approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 Northeast Missouri State Bank
What are Northeast Missouri State Bank's total assets?
As of the Q2 2026 filing, Northeast Missouri State Bank reported total assets of $164.1 million in its FFIEC call report.
Where is Northeast Missouri State Bank headquartered?
It is headquartered in Kirksville, MO, United States.
When was Northeast Missouri State Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Northeast Missouri State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northeast Missouri State Bank?
Northeast Missouri State Bank's primary federal regulator is the FDIC.
What is Northeast Missouri State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Northeast Missouri 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 Northeast Missouri State Bank's Texas Ratio?
Its Texas Ratio is 0.21% 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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