Security Bank of Pulaski County
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Data as of · sourced from FFIEC call reports. How we update
Security Bank of Pulaski County is an FDIC-insured commercial bank headquartered in Saint Robert, MO, established in 1936 (FDIC certificate 15347), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $162.9M, up 1.2% from Q2 2025, the 135th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.55% 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
- 15347
- Headquarters
- Saint Robert, MO
- Established
- 1936
- Total assets, Q2 2026
- $162.9M
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 13.55%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081518045
- Latest call report
- Q2 2026, FFIEC 041 · Security Bank of Pulaski County call report
- Holding company
- SECURITY BANCSHARES OF PULASKI COUNTY, INC.
- Asset rank in state
- 135th of 191 in Missouri
Problem loans are rising at Security Bank of Pulaski County. Based in Saint Robert, Missouri, it had $163 million in assets at June 30, 2026, up 1.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.20% of loans from 0.61% a year earlier. It funds 8.91% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 12.0% of the capital and reserves that would absorb them, 4.5 times the median of 2.6% for banks its size.
Net income for the quarter slipped 22% from a year earlier, to $330,000. Over the same year, loans grew 6.0% and deposits shrank 0.1%. Profitability lags: it earns about $0.81 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Security Bank of Pulaski County reported a CET1 capital ratio of 13.55%, a return on assets of 0.81%, a nonperforming-loan ratio of 1.20% and a Texas ratio of 11.99%. The figures come from its call report filed with the FFIEC.
Security Bank of Pulaski County ranks as the 135th 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 0.3% to $162.9M, loans rose 2.6% and deposits were flat. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.8% of total loans, followed by construction and land development loans at 15.3%. Its 3 offices in the FDIC Summary of Deposits are in Saint Robert, MO and Waynesville, MO; its Saint Robert 2 offices book 55% of its branch deposits. Judged on its Q2 2026 call report, Security Bank of Pulaski County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 Carson Blvd, Saint Robert, MO 65584
- County
- Pulaski
- Metro Area
- Fort Leonard Wood, 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 041
- Established
- January 1, 1936
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $146.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $70K
- Average total assets
- $162.9M
- Average total loans
- $96.3M
- Average interest-bearing deposits
- $109.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 31, 1936
- FDIC Cert
- 15347
- Fed RSSD
- 382854
- SEC CIK
- 1952193 → filed by SECURITY BANCSHARES OF PULASKI COUNTY, INC.
- Website
- www.sbpc.com →
- Parent Holding Company
- SECURITY BANCSHARES OF PULASKI COUNTY, INC. (RSSD 2250180)
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, Security Bank of Pulaski County's total assets ran between $132.4M (Q3 2023) and $166.9M (Q4 2025), 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
$162.9M total assets against $160.9M; $149.1M total liabilities against $149.2M.
$96.8M net loans and leases against $91.4M; $146.4M total deposits against $146.5M.
$49.8M securities against $48.7M; $8.1M cash and balances due against $13.1M.
$2.3M total interest income against $2.4M; $719K total interest expense against $789K.
$1.6M net interest income against $1.6M.
$166K total noninterest income against $166K; $1.3M total noninterest expense against $1.3M.
$97K provision for credit losses against $10K.
$330K net income against $421K.
0.81% return on assets against 1.05%; 4.51% net interest margin against 4.56%.
13.55% CET1 capital ratio against 13.07%; 8.91% tier 1 leverage ratio against 8.29%.
Inside the full Security Bank of Pulaski County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSecurity Bank of Pulaski County rankings
Its closest position to the top of a national ranking is 477 of 3,640, for Texas Ratio; its furthest is 2,874 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q3 2024) to 1.05% (Q2 2025) and its net interest margin ran from 4.07% (Q1 2025) to 4.65% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.55% | 0.81% | 1.20% | 11.99% | 4.51% |
| Q1 2026 | 13.32% | 0.99% | 0.97% | 10.69% | 4.50% |
| Q4 2025 | 13.19% | 0.92% | 1.03% | 9.48% | 4.65% |
| Q3 2025 | 12.92% | 0.86% | 1.33% | 12.02% | 4.25% |
| Q2 2025 | 13.07% | 1.05% | 0.61% | 7.51% | 4.56% |
| Q1 2025 | 12.59% | 0.81% | 0.62% | 8.34% | 4.07% |
| Q4 2024 | 12.48% | 0.89% | 0.64% | 5.10% | 4.34% |
| Q3 2024 | 12.25% | 0.70% | 0.73% | 5.50% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Security Bank of Pulaski County (main office) | Saint Robert , MO | 65584 | $80.6M |
| Waynesville Branch | Waynesville , MO | 65583 | $65.8M |
| Marshall Drive Branch | Saint Robert , MO | 65584 | $1K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 166 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $658K approved, $329K 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
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Frequently asked about Security Bank of Pulaski County
What are Security Bank of Pulaski County's total assets?
As of the Q2 2026 filing, Security Bank of Pulaski County reported total assets of $162.9 million in its FFIEC call report.
Where is Security Bank of Pulaski County headquartered?
It is headquartered in Saint Robert, MO, United States.
When was Security Bank of Pulaski County founded?
It was established in 1936, per the FDIC institution directory.
Is Security Bank of Pulaski County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15347). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Security Bank of Pulaski County?
Security Bank of Pulaski County's primary federal regulator is the FDIC.
What is Security Bank of Pulaski County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Security Bank of Pulaski County operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Security Bank of Pulaski County's Texas Ratio?
Its Texas Ratio is 11.99% 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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