St. Clair County State Bank
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Data as of · sourced from FFIEC call reports. How we update
St. Clair County State Bank is an FDIC-insured commercial bank headquartered in Osceola, MO, established in 1896 (FDIC certificate 11002), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $231.8M, up 8.1% from Q2 2025, the 116th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.51% 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
- 11002
- Headquarters
- Osceola, MO
- Established
- 1896
- Total assets, Q2 2026
- $231.8M
- Assets vs Q2 2025
- +8.1%
- Tier 1 leverage ratio, Q2 2026
- 13.51%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101204792
- Latest call report
- Q2 2026, FFIEC 051 · St. Clair County State Bank call report
- Holding company
- SCC BANCSHARES, INC.
- Asset rank in state
- 116th of 191 in Missouri
St. Clair County State Bank runs leaner than most banks of its size. Its balance sheet stood at $232 million at June 30, 2026, up 8.1% from a year earlier; it is based in Osceola, Missouri. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew its loan book 15.2% over the year, about triple the median of 5.5% for banks its size.
The non-owner-occupied commercial real estate book ($20 million) is worsening: 5.19% of it is past due or on nonaccrual, up from 0.96% a year earlier. Loans are outrunning deposits: over the year loans rose 15.2% and deposits rose 5.9%.
As of June 30, 2026, St. Clair County State Bank reported a return on assets of 1.93%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.32%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, St. Clair County State Bank is the 116th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.3% to $231.8M, loans rose 5.6% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 35.7% of total loans, followed by 1-4 family residential loans at 24.7%. Its 4 offices in the FDIC Summary of Deposits are in Osceola, MO, Appleton, MO and Lowry City, MO; its Osceola 2 offices book 67% of its branch deposits. On its Q2 2026 call report, St. Clair County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 680 2nd St, Osceola, MO 64776
- County
- St. Clair
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 1, 1896
- Former names
- Osceola Bank (1945-1989)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $195.7M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $228.0M
- Average total loans
- $173.1M
- Average interest-bearing deposits
- $151.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11002
- Fed RSSD
- 692450
- Website
- https://www.sccsbank.com →
- Parent Holding Company
- SCC BANCSHARES, INC. (RSSD 1144068)
- Ultimate Parent
- MARGARET PARKER PLATTER CHARITABLE TRUST (RSSD 5013694)
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, St. Clair County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, St. Clair County State Bank's total assets ran between $194.2M (Q3 2023) and $231.8M (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
$231.8M total assets against $214.4M; $200.9M total liabilities against $185.8M.
$176.2M net loans and leases against $153.0M; $195.7M total deposits against $184.8M.
$23.0M securities against $25.3M; $23.8M cash and balances due against $27.8M.
$3.4M total interest income against $3.2M; $1.0M total interest expense against $1.0M.
$2.4M net interest income against $2.2M.
$123K total noninterest income against $118K; $1.0M total noninterest expense against $1.0M.
$75K provision for credit losses against $75K.
$1.1M net income against $937K.
1.93% return on assets against 1.75%; 4.44% net interest margin against 4.30%.
13.51% tier 1 leverage ratio against 13.33%.
Inside the full St. Clair County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSt. Clair County State Bank rankings
Its closest position to the top of a national ranking is 186 of 3,606, for efficiency ratio; its furthest is 2,539 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.20% (Q4 2024) to 1.93% (Q2 2026) and its net interest margin ran from 4.19% (Q1 2025) to 4.44% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.51% | 1.93% | 0.24% | 1.32% | 4.44% |
| Q1 2026 | 13.46% | 1.75% | 0.31% | 1.63% | 4.24% |
| Q4 2025 | 13.78% | 1.85% | 1.34% | 3.14% | 4.42% |
| Q3 2025 | 13.61% | 1.81% | 1.26% | 6.34% | 4.39% |
| Q2 2025 | 13.33% | 1.75% | 0.49% | 1.54% | 4.30% |
| Q1 2025 | 13.19% | 1.68% | 0.35% | 1.52% | 4.19% |
| Q4 2024 | 13.22% | 1.20% | 0.31% | 1.49% | 4.28% |
| Q3 2024 | 13.35% | 1.73% | 1.98% | 6.06% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| St. Clair County State Bank (main office) | Osceola , MO | 64776 | $131.5M |
| Appleton City Branch | Appleton , MO | 64724 | $33.8M |
| Lowry City Branch | Lowry City , MO | 64763 | $30.4M |
| Osceola Drive-Thru Branch | Osceola , MO | 64776 | $0 |
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 |
|---|---|---|---|
| July 21, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 21, 1989 | Structure Change | Acquired The Lowry City Bank 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
- <0.1% of deposits in MO, rank 143 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $122K approved, $61K 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, 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 St. Clair County State Bank
What are St. Clair County State Bank's total assets?
As of the Q2 2026 filing, St. Clair County State Bank reported total assets of $231.8 million in its FFIEC call report.
Where is St. Clair County State Bank headquartered?
It is headquartered in Osceola, MO, United States.
When was St. Clair County State Bank founded?
It was established in 1896, per the FDIC institution directory.
Is St. Clair County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11002). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates St. Clair County State Bank?
St. Clair County State Bank's primary federal regulator is the FDIC.
How many branches does St. Clair County State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is St. Clair County State Bank's Texas Ratio?
Its Texas Ratio is 1.32% 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.
What was St. Clair County State Bank previously called?
The charter now named St. Clair County State Bank has also operated as Osceola Bank (1945-1989), per FDIC structure-change records.
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