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State Bank Of Missouri
Concordia, MO · FDIC Certificate #10623 · Chartered 07/2
Total assets
$134.27M
Total deposits
$122.11M
Total equity
$11.16M
Net loans
$81.95M
Branches (offices)
4
Net income (YTD)
$906.00K
Rank: #3,433 of 4,213 U.S. banks by assets · #154 of 190 in Missouri. Assets changed -5.5% and deposits -6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 16.46% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 8.31% |
| Tier 1 leverage ratio | 8.93% |
| Uninsured deposits (share of deposits) | 33.7% |
| Noncurrent loans (share of loans) | 1.80% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 67.1% |
| Real estate loans (share of loans) | 87.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $71.90M | 87.7% | |
| Commercial & industrial | $3.52M | 4.3% | |
| Consumer / individual | $2.15M | 2.6% | |
| Construction & development | $4.49M | 5.5% | |
| Agricultural | $4.92M | 6.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $135.09M | $126.65M | $545.00K | $7.96M |
| Jun 2023 | $148.69M | $139.22M | $584.00K | $8.85M |
| Jun 2024 | $144.86M | $134.31M | $641.00K | $9.78M |
| Jun 2025 | $142.03M | $130.41M | $818.00K | $10.70M |
| Jun 2026 | $134.27M | $122.11M | $906.00K | $11.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $122.11M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $122.11M.
Similar-sized banks
St. Clair State Bank (Incorporated) ($134.35M) · First National Bank Of Dublin ($134.24M)
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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