The Seymour Bank
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Data as of · sourced from FFIEC call reports. How we update
The Seymour Bank is an FDIC-insured commercial bank headquartered in Seymour, MO, established in 1939 (FDIC certificate 15701), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $224.7M, up 0.7% from Q2 2025, the 118th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.30% 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
- 15701
- Headquarters
- Seymour, MO
- Established
- 1939
- Total assets, Q2 2026
- $224.7M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 11.30%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081518090
- Latest call report
- Q2 2026, FFIEC 051 · The Seymour Bank call report
- Holding company
- COTTONRUDY INVESTMENT COMPANY
- Asset rank in state
- 118th of 191 in Missouri
Problem loans are rising at The Seymour Bank. It reported $225 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.46% of loans from 0.01% a year earlier.
Earnings jumped: net income for the quarter was $590,000, 40% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.8 million equal 27% of Tier 1 capital, down from 38% a year earlier.
As of June 30, 2026, The Seymour Bank reported a return on assets of 1.06%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.09%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, The Seymour Bank is the 118th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $224.7M, loans rose 4.9% and deposits rose 4.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.7% of total loans, ahead of farmland and other real estate loans at 32.1%. Its 3 offices in the FDIC Summary of Deposits are in Seymour, MO, Marshfield, MO and Rogersville, MO; its Seymour office books 63% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Seymour Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 119 N Main St, Seymour, MO 65746
- County
- Webster
- Metro Area
- Springfield, 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
- November 25, 1939
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $194.3M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $222.0M
- Average total loans
- $138.6M
- Average interest-bearing deposits
- $132.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 25, 1939
- FDIC Cert
- 15701
- Fed RSSD
- 428855
- Website
- seymourbank.com →
- Parent Holding Company
- COTTONRUDY INVESTMENT COMPANY (RSSD 1095245)
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, The Seymour Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Seymour Bank's total assets moved between a low of $210.9M (Q3 2023) and a high of $240.6M (Q4 2024) from Q3 2023 to 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
$224.7M total assets against $223.3M; $205.0M total liabilities against $206.5M.
$142.0M net loans and leases against $130.9M; $194.3M total deposits against $183.1M.
$66.3M securities against $76.4M; $9.0M cash and balances due against $7.2M.
$3.0M total interest income against $3.0M; $858K total interest expense against $1.1M.
$2.2M net interest income against $1.9M.
$374K total noninterest income against $351K; $1.8M total noninterest expense against $1.7M.
$67K provision for credit losses against $8K.
$590K net income against $422K.
1.06% return on assets against 0.76%; 4.00% net interest margin against 3.44%.
11.30% tier 1 leverage ratio against 10.79%.
Inside the full The Seymour Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Seymour Bank rankings
Its closest position to the top of a national ranking is 1,836 of 3,640, for Texas Ratio; its furthest is 2,561 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.58% (Q4 2024) to 1.06% (Q2 2026) and its net interest margin ran from 3.06% (Q4 2024) to 4.00% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.30% | 1.06% | 0.46% | 3.09% | 4.00% |
| Q1 2026 | 10.69% | 1.02% | 0.53% | 3.64% | 3.52% |
| Q4 2025 | 11.01% | 0.85% | 0.68% | 4.29% | 3.50% |
| Q3 2025 | 10.99% | 0.92% | 0.00% | 0.00% | 3.62% |
| Q2 2025 | 10.79% | 0.76% | 0.01% | 0.08% | 3.44% |
| Q1 2025 | 10.34% | 0.67% | 0.02% | 0.13% | 3.15% |
| Q4 2024 | 10.53% | 0.58% | 0.02% | 0.15% | 3.06% |
| Q3 2024 | 10.72% | 0.59% | 0.02% | 0.11% | 3.10% |
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 |
|---|---|---|---|
| The Seymour Bank | Seymour , MO | 65746 | $122.9M |
| Marshfield Branch | Marshfield , MO | 65706 | $38.3M |
| Rogersville Branch | Rogersville , MO | 65742 | $33.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 144 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 83 applications, 64 loans originated, $10.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $110K approved, $110K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Seymour Bank
What are The Seymour Bank's total assets?
As of the Q2 2026 filing, The Seymour Bank reported total assets of $224.7 million in its FFIEC call report.
Where is The Seymour Bank headquartered?
It is headquartered in Seymour, MO, United States.
When was The Seymour Bank founded?
It was established in 1939, per the FDIC institution directory.
Is The Seymour Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Seymour Bank?
The Seymour Bank's primary federal regulator is the FDIC.
How many branches does The Seymour Bank 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 The Seymour Bank's Texas Ratio?
Its Texas Ratio is 3.09% 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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