State Bank of Southwest Missouri
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Southwest Missouri is an FDIC-insured commercial bank headquartered in Springfield, MO, supervised by the FDIC, with $183.8M in total assets at Q2 2026, up 11.9% from Q2 2025, the 130th largest of 191 banks headquartered in Missouri. It was established in 1985 and holds FDIC certificate 26358. Its CET1 capital ratio was 10.07% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26358
- Headquarters
- Springfield, MO
- Established
- 1985
- Total assets, Q2 2026
- $183.8M
- Assets vs Q2 2025
- +11.9%
- CET1 ratio, Q2 2026
- 10.07%
- Domestic offices
- 1 · State Bank of Southwest Missouri branches FDIC institution directory, current count
- Routing number
- 086505545
- Safety and soundness
- Is State Bank of Southwest Missouri safe?
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Southwest Missouri Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- STATE BANCSHARES, INC.
- Asset rank in state
- 130th of 191 in Missouri
State Bank of Southwest Missouri operates with a thinner capital cushion than most banks of its size. Based in Springfield, Missouri, it had $184 million in assets at June 30, 2026, up 11.9% from a year earlier. It holds common equity equal to 10.07% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%). It has also been growing, with assets up 11.9% in a year.
Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, State Bank of Southwest Missouri reported a CET1 capital ratio of 10.07%, a return on assets of 1.17%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
State Bank of Southwest Missouri ranks as the 130th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.5% to $183.8M, loans rose 9.6% and deposits rose 4.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.3% of total loans, followed by construction and land development loans at 10.3%. Its one office in the FDIC Summary of Deposits is in Springfield, MO. Judged on its Q2 2026 call report, State Bank of Southwest Missouri meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3310 E Sunshine St, Springfield, MO 65804
- County
- Greene
- 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
- September 16, 1985
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $164.0M
- Allowance for credit losses
- $825K
- Net charge-offs (YTD)
- $0
- Average total assets
- $178.5M
- Average total loans
- $148.1M
- Average interest-bearing deposits
- $115.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 16, 1985
- FDIC Cert
- 26358
- Fed RSSD
- 293754
- Website
- www.state.bank →
- Parent Holding Company
- STATE BANCSHARES, INC. (RSSD 1404678)
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, State Bank of Southwest Missouri's total assets ranged from $156.4M (Q2 2024) to $183.8M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$183.8M total assets against $164.2M; $170.8M total liabilities against $152.4M.
$152.0M net loans and leases against $135.1M; $164.0M total deposits against $147.1M.
$9.5M securities against $9.7M; $17.6M cash and balances due against $14.9M.
$2.5M total interest income against $2.2M; $687K total interest expense against $621K.
$1.8M net interest income against $1.6M.
$373K total noninterest income against $272K; $1.6M total noninterest expense against $1.4M.
$8K provision for credit losses against $0.
$521K net income against $474K.
1.17% return on assets against 1.15%; 4.24% net interest margin against 4.08%.
10.07% CET1 capital ratio against 10.46%; 7.49% tier 1 leverage ratio against 7.50%.
Inside the full State Bank of Southwest Missouri terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank of Southwest Missouri rankings
Its closest position to the top of a national ranking is 2,111 of 3,611, for ROA; its furthest is 2,092 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q4 2024) to 1.43% (Q3 2025) and its net interest margin ran from 3.94% (Q3 2024) to 4.36% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.07% | 1.17% | 0.00% | 0.00% | 4.24% |
| Q1 2026 | 10.40% | 1.22% | 0.08% | 0.88% | 4.20% |
| Q4 2025 | 10.16% | 0.84% | 0.08% | 0.89% | 4.36% |
| Q3 2025 | 9.89% | 1.43% | 0.08% | 0.91% | 4.34% |
| Q2 2025 | 10.46% | 1.15% | 0.00% | 0.00% | 4.08% |
| Q1 2025 | 10.48% | 0.96% | 0.00% | 0.00% | 4.00% |
| Q4 2024 | 10.58% | 0.78% | 0.00% | 0.00% | 4.09% |
| Q3 2024 | 10.10% | 0.97% | 0.02% | 0.27% | 3.94% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| State Bank of Southwest Missouri (main office) | Springfield , MO | 65804 | $164.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 157 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 74 applications, 65 loans originated, $23.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $850K approved, $425K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 State Bank of Southwest Missouri
What are State Bank of Southwest Missouri's total assets?
As of the Q2 2026 filing, State Bank of Southwest Missouri reported total assets of $183.8 million in its FFIEC call report.
Where is State Bank of Southwest Missouri headquartered?
It is headquartered in Springfield, MO, United States.
When was State Bank of Southwest Missouri founded?
It was established in 1985, per the FDIC institution directory.
Is State Bank of Southwest Missouri FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26358). 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 Southwest Missouri?
State Bank of Southwest Missouri's primary federal regulator is the FDIC.
What is State Bank of Southwest Missouri's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does State Bank of Southwest Missouri operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Southwest Missouri's Texas Ratio?
Its Texas Ratio is 0.00% 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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