Southwest Missouri Bank
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Data as of · sourced from FFIEC call reports. How we update
Southwest Missouri Bank is an FDIC-insured commercial bank headquartered in Carthage, MO, established in 1979 (FDIC certificate 22876), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.21B, up 4.9% from Q2 2025, the 29th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 15.30% 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
- 22876
- Headquarters
- Carthage, MO
- Established
- 1979
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 15.30%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 101203641
- Latest call report
- Q2 2026, FFIEC 051 · Southwest Missouri Bank call report
- Holding company
- SOUTHWEST MISSOURI BANCORPORATION, INC.
- Asset rank in state
- 29th of 191 in Missouri
Southwest Missouri Bank operates with a thinner capital cushion than most banks of its size. The Carthage, Missouri bank had $1.2 billion in assets at June 30, 2026, up 4.9% from a year earlier. It funds 8.73% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it holds commercial real estate loans worth 1.1 times its capital, about half the median of 2.2 times for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $29 million equal 27% of Tier 1 capital, down from 40% a year earlier. Net income for the quarter rose 20% from a year earlier, to $3.3 million. Costs are the weak spot: it spends about 68 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Southwest Missouri Bank reported a CET1 capital ratio of 15.30%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.72%. The figures come from its call report filed with the FFIEC.
Southwest Missouri Bank ranks as the 29th 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 fell 1.0% to $1.21B, loans rose 1.5% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.3% of total loans, followed by non-owner-occupied commercial real estate loans at 9.0%. Its 11 offices in the FDIC Summary of Deposits are in 5 cities in MO; its Joplin 5 offices book 53% of its branch deposits. On its Q2 2026 call report, Southwest Missouri Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 W 3rd 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 11, 1979
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 219
- Domestic deposits
- $1.04B
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- $504K
- Average total assets
- $1.23B
- Average total loans
- $638.1M
- Average interest-bearing deposits
- $953.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 11, 1979
- FDIC Cert
- 22876
- Fed RSSD
- 760854
- Website
- www.smbonline.com →
- Parent Holding Company
- SOUTHWEST MISSOURI BANCORPORATION, INC. (RSSD 1063552)
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
From Q3 2023 to Q2 2026, Southwest Missouri Bank's total assets ranged from $1.06B (Q3 2023) to $1.23B (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
$1.21B total assets against $1.15B; $1.12B total liabilities against $1.08B.
$633.8M net loans and leases against $596.0M; $1.04B total deposits against $998.7M.
$473.6M securities against $459.7M; $37.2M cash and balances due against $32.0M.
$14.9M total interest income against $14.0M; $3.9M total interest expense against $4.2M.
$11.0M net interest income against $9.8M.
$2.9M total noninterest income against $2.8M; $9.6M total noninterest expense against $9.0M.
$451K provision for credit losses against $300K.
$3.3M net income against $2.7M.
1.06% return on assets against 0.92%; 3.83% net interest margin against 3.56%.
15.30% CET1 capital ratio against 14.97%; 8.73% tier 1 leverage ratio against 8.54%.
Inside the full Southwest Missouri Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSouthwest Missouri Bank rankings
Its closest position to the top of a national ranking is 879 of 4,196, for total assets; its furthest is 2,602 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q4 2024) to 1.13% (Q4 2025) and its net interest margin ran from 3.15% (Q3 2024) to 3.83% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.30% | 1.06% | 0.25% | 1.72% | 3.83% |
| Q1 2026 | 15.14% | 0.98% | 0.21% | 1.50% | 3.74% |
| Q4 2025 | 15.03% | 1.13% | 0.19% | 1.33% | 3.78% |
| Q3 2025 | 15.04% | 0.91% | 0.22% | 1.60% | 3.69% |
| Q2 2025 | 14.97% | 0.92% | 0.16% | 1.31% | 3.56% |
| Q1 2025 | 15.08% | 0.87% | 0.22% | 1.83% | 3.41% |
| Q4 2024 | 14.94% | 0.77% | 0.32% | 2.75% | 3.39% |
| Q3 2024 | 15.08% | 0.82% | 0.31% | 2.38% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Southwest Missouri Bank (main office) | Carthage , MO | 64836 | $196.2M |
| Zora | Joplin , MO | 64801 | $147.0M |
| 32nd Street | Joplin , MO | 64804 | $140.0M |
| Carthage South | Carthage , MO | 64836 | $130.8M |
| Stone's Corner | Joplin , MO | 64801 | $106.5M |
| Duquesne Branch | Joplin , MO | 64801 | $102.7M |
| Neosho North | Neosho , MO | 64850 | $69.5M |
| Mcclelland Branch | Joplin , MO | 64804 | $58.5M |
| Neosho South | Neosho , MO | 64850 | $37.4M |
| Jasper Branch | Jasper , MO | 64755 | $36.3M |
| Southwest Missouri Bank - Oronogo Branch | Oronogo , MO | 64855 | $18.6M |
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 |
|---|---|---|---|
| February 6, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 1992 | Structure Change | Acquired Bank of Jasper Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 41 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 780 applications, 618 loans originated, $87.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $268K approved, $268K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Southwest Missouri Bank
What are Southwest Missouri Bank's total assets?
As of the Q2 2026 filing, Southwest Missouri Bank reported total assets of $1.21 billion in its FFIEC call report.
Where is Southwest Missouri Bank headquartered?
It is headquartered in Carthage, MO, United States.
When was Southwest Missouri Bank founded?
It was established in 1979, per the FDIC institution directory.
Is Southwest Missouri Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southwest Missouri Bank?
Southwest Missouri Bank's primary federal regulator is the FDIC.
What is Southwest Missouri Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Southwest Missouri Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southwest Missouri Bank's Texas Ratio?
Its Texas Ratio is 1.72% 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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