Putnam County State Bank
BankRegReports is independent of Putnam County State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Putnam County State Bank is an FDIC-insured commercial bank headquartered in Unionville, MO, established in 1979 (FDIC certificate 22895), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $317.6M, up 10.6% from Q2 2025, the 96th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.52% 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
- 22895
- Headquarters
- Unionville, MO
- Established
- 1979
- Total assets, Q2 2026
- $317.6M
- Assets vs Q2 2025
- +10.6%
- Tier 1 leverage ratio, Q2 2026
- 13.52%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101903763
- Holding company
- PUTNAM COUNTY BANCSHARES, INC.
- Asset rank in state
- 96th of 191 in Missouri
Putnam County State Bank runs leaner than most banks of its size. It reported $318 million in assets at June 30, 2026, up 10.6% from a year earlier. It spends about 31 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Deposits are coming in faster than loans: over the year loans rose 4.7% and deposits rose 11.6%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.62% of loans from 0.38% a year earlier. Its margin is thin by comparison: it keeps 3.46 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Putnam County State Bank reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 3.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Putnam County State Bank is the 96th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $317.6M, loans rose 2.7% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 41.7% of total loans, ahead of agricultural production loans at 26.8%. The FDIC Summary of Deposits lists 2 offices for it, in Unionville, MO and Milan, MO; its Unionville office books 60% of its branch deposits. Judged on its Q2 2026 call report, Putnam County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1522 Main St, Unionville, MO 63565
- County
- Putnam
- 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
- July 5, 1979
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $273.7M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $315.6M
- Average total loans
- $233.0M
- Average interest-bearing deposits
- $223.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 5, 1979
- FDIC Cert
- 22895
- Fed RSSD
- 382658
- Parent Holding Company
- PUTNAM COUNTY BANCSHARES, INC. (RSSD 1820746)
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, Putnam County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Putnam County State Bank's total assets ranged from $253.0M (Q3 2023) to $317.6M (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
$317.6M total assets against $287.2M; $274.9M total liabilities against $246.2M.
$233.0M net loans and leases against $222.6M; $273.7M total deposits against $245.3M.
$6.4M securities against $5.4M; $72.5M cash and balances due against $53.8M.
$4.5M total interest income against $4.5M; $1.9M total interest expense against $1.9M.
$2.6M net interest income against $2.6M.
$198K total noninterest income against $183K; $880K total noninterest expense against $769K.
$0 provision for credit losses against $0.
$1.5M net income against $1.5M.
1.90% return on assets against 2.13%; 3.46% net interest margin against 3.75%.
13.52% tier 1 leverage ratio against 14.35%.
Inside the full Putnam County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePutnam County State Bank rankings
Its closest position to the top of a national ranking is 54 of 3,606, for efficiency ratio; its furthest is 2,378 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q4 2025) to 2.13% (Q2 2025) and its net interest margin ran from 3.46% (Q2 2026) to 3.81% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 1.90% | 0.62% | 3.18% | 3.46% |
| Q1 2026 | 13.14% | 1.62% | 0.31% | 1.59% | 3.49% |
| Q4 2025 | 13.34% | 1.38% | 0.36% | 2.03% | 3.78% |
| Q3 2025 | 14.59% | 2.09% | 0.33% | 1.67% | 3.81% |
| Q2 2025 | 14.35% | 2.13% | 0.38% | 1.93% | 3.75% |
| Q1 2025 | 14.11% | 1.75% | 0.10% | 0.54% | 3.77% |
| Q4 2024 | 13.98% | 1.79% | 0.68% | 3.85% | 3.79% |
| Q3 2024 | 15.55% | 1.64% | 0.21% | 1.06% | 3.67% |
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 |
|---|---|---|---|
| Putnam County State Bank (main office) | Unionville , MO | 63565 | $163.1M |
| Milan Branch | Milan , MO | 63556 | $110.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 118 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
Add this badge to your website
Free to use. It shows Putnam County State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Putnam County State Bank with peers
Frequently asked about Putnam County State Bank
What are Putnam County State Bank's total assets?
As of the Q2 2026 filing, Putnam County State Bank reported total assets of $317.6 million in its FFIEC call report.
Where is Putnam County State Bank headquartered?
It is headquartered in Unionville, MO, United States.
When was Putnam County State Bank founded?
It was established in 1979, per the FDIC institution directory.
Is Putnam County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Putnam County State Bank?
Putnam County State Bank's primary federal regulator is the FDIC.
How many branches does Putnam County 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 Putnam County State Bank's Texas Ratio?
Its Texas Ratio is 3.18% 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 Putnam County State Bank.
Get an email when Putnam County State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Putnam County State Bank, freeFree account