Branch Network
St. Clair County State Bank Locations & Branches Osceola, Missouri
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St. Clair County State Bank operates 4 branches from its headquarters in Osceola, MO, .
St. Clair County State Bank branch network
All 4 branches are in MISSOURI, across 3 cities. Osceola, MO has the most of its branches, 2. Its largest office by deposits is its main office in Osceola, MO, with $131.5M (67.2% of its branch deposits). It had the same number of branches on June 30, 2025.
St. Clair County State Bank at a glance
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.
- Total assets, Q2 2026
- $231.8M
- Tier 1 leverage ratio, Q2 2026
- 13.51%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1896
Full financial profile · Is St. Clair County State Bank safe? · St. Clair County State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Osceola, MO (2 branches) | 1 of 2 | 84.5% | $131.5M |
| State: MO (4 branches) | 143 of 249 | <0.1% | $195.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Missouri.
Share by county and metro area
St. Clair County State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| St. Clair, MO (4 branches) | 1 of 3 | 73.7% | $195.7M | $265.5M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 11002) · FFIEC NIC profile (RSSD 692450)