State Bank of Missouri
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Missouri is an FDIC-insured commercial bank headquartered in Concordia, MO, established in 1884 (FDIC certificate 10623), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $134.3M, down 5.5% from Q2 2025, the 154th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 16.94% 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
- 10623
- Headquarters
- Concordia, MO
- Established
- 1884
- Total assets, Q2 2026
- $134.3M
- Assets vs Q2 2025
- -5.5%
- CET1 ratio, Q2 2026
- 16.94%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101908577
- Latest call report
- Q2 2026, FFIEC 041 · State Bank of Missouri call report
- Holding company
- C.S. BANCSHARES, INC.
- Asset rank in state
- 154th of 191 in Missouri
State Bank of Missouri, based in Concordia, Missouri, reported $134 million in assets at June 30, 2026, down 5.5% from a year earlier. It lost 6.4% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also funds 8.93% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.80% of loans, down from 2.60% a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 4.0% and deposits fell 6.4%. Credit is the area to watch: it carries problem assets equal to 12.3% of the capital and reserves that would absorb them, 4.7 times the median of 2.6% for banks its size.
As of June 30, 2026, State Bank of Missouri reported a CET1 capital ratio of 16.94%, a return on assets of 1.26%, a nonperforming-loan ratio of 1.80% and a Texas ratio of 12.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Missouri is the 154th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $134.3M, loans rose 1.2% and deposits fell 4.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.7% of total loans, followed by farmland and other real estate loans at 17.3%. Its 4 offices in the FDIC Summary of Deposits are in Grain Valley, MO, Concordia, MO and Alma, MO; its Grain Valley 2 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, State Bank of Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Nw 2nd St, Concordia, MO 64020
- County
- Lafayette
- Metro Area
- Kansas City, 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
- —
- Call Report form
- FFIEC 041
- Established
- July 28, 1884
- Former names
- Alma Bank of Concordia (1982-1996)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $122.1M
- Allowance for credit losses
- $922K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $139.2M
- Average total loans
- $82.1M
- Average interest-bearing deposits
- $96.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10623
- Fed RSSD
- 565844
- Website
- http://www.gostatebank.com →
- Parent Holding Company
- C.S. BANCSHARES, INC. (RSSD 1138786)
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, State Bank of Missouri's total assets ran between $134.3M (Q2 2026) and $148.9M (Q1 2024), 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
$134.3M total assets against $142.0M; $123.1M total liabilities against $131.3M.
$82.0M net loans and leases against $78.9M; $122.1M total deposits against $130.4M.
$39.8M securities against $49.3M; $8.8M cash and balances due against $9.9M.
$1.7M total interest income against $1.7M; $461K total interest expense against $515K.
$1.3M net interest income against $1.2M.
$169K total noninterest income against $167K; $848K total noninterest expense against $811K.
$30K provision for credit losses against $24K.
$439K net income against $434K.
1.26% return on assets against 1.19%; 3.84% net interest margin against 3.48%.
16.94% CET1 capital ratio against 17.67%; 8.93% tier 1 leverage ratio against 8.64%.
Inside the full State Bank of Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of Missouri rankings
Its closest position to the top of a national ranking is 455 of 3,640, for Texas Ratio; its furthest is 3,421 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.47% (Q3 2025) and its net interest margin ran from 3.06% (Q3 2024) to 3.90% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.94% | 1.26% | 1.80% | 12.31% | 3.84% |
| Q1 2026 | 16.97% | 1.35% | 1.70% | 11.89% | 3.71% |
| Q4 2025 | 17.27% | 1.03% | 1.66% | 11.26% | 3.90% |
| Q3 2025 | 17.34% | 1.47% | 2.08% | 14.18% | 3.84% |
| Q2 2025 | 17.67% | 1.19% | 2.60% | 17.99% | 3.48% |
| Q1 2025 | 17.77% | 1.05% | 2.53% | 18.07% | 3.22% |
| Q4 2024 | 18.23% | 0.93% | 2.40% | 17.44% | 3.31% |
| Q3 2024 | 18.10% | 1.04% | 1.04% | 7.24% | 3.06% |
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 |
|---|---|---|---|
| Grain Valley Branch | Grain Valley , MO | 64029 | $64.3M |
| State Bank of Missouri (main office) | Concordia , MO | 64020 | $42.0M |
| Alma Branch | Alma , MO | 64001 | $15.8M |
| Grain Valley Branch | Grain Valley , MO | 64029 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 184 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 State Bank of Missouri
What are State Bank of Missouri's total assets?
As of the Q2 2026 filing, State Bank of Missouri reported total assets of $134.3 million in its FFIEC call report.
Where is State Bank of Missouri headquartered?
It is headquartered in Concordia, MO, United States.
When was State Bank of Missouri founded?
It was established in 1884, per the FDIC institution directory.
Is State Bank of Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Missouri?
State Bank of Missouri's primary federal regulator is the FDIC.
What is State Bank of Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Missouri 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 State Bank of Missouri's Texas Ratio?
Its Texas Ratio is 12.31% 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 State Bank of Missouri previously called?
The charter now named State Bank of Missouri has also operated as Alma Bank of Concordia (1982-1996), per FDIC structure-change records.
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