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Northeast Missouri State Bank
Kirksville, MO · FDIC Certificate #13381 · Chartered 12/2
Total assets
$164.13M
Total deposits
$147.41M
Total equity
$16.05M
Net loans
$66.11M
Branches (offices)
2
Net income (YTD)
$1.24M
Rank: #3,206 of 4,213 U.S. banks by assets · #133 of 190 in Missouri. Assets changed 9.1% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 15.57% |
| Net interest margin (YTD) | 2.96% |
| Equity to assets | 9.78% |
| Tier 1 leverage ratio | 11.11% |
| Uninsured deposits (share of deposits) | 11.2% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 44.8% |
| Real estate loans (share of loans) | 67.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $44.28M | 67.0% | |
| Commercial & industrial | $4.77M | 7.2% | |
| Consumer / individual | $4.85M | 7.3% | |
| Construction & development | $784.00K | 1.2% | |
| Agricultural | $10.97M | 16.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $139.84M | $129.35M | $852.00K | $10.28M |
| Jun 2023 | $132.37M | $122.03M | $641.00K | $9.91M |
| Jun 2024 | $138.67M | $127.15M | $707.00K | $10.94M |
| Jun 2025 | $150.40M | $136.29M | $923.00K | $13.46M |
| Jun 2026 | $164.13M | $147.41M | $1.24M | $16.05M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $147.41M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $147.41M.
Similar-sized banks
Auburn Banking Company ($164.25M) · Bank Of Maysville ($163.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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