State Bank of Missouri

State Bank of Missouri is headquartered in Chillicothe and is the 169^th largest bank in the state of Missouri. It is also the 4,383^rd largest bank in the nation. It was established in 1937 and as of March of 2012, it had grown to 27 employees at 3 locations. State Bank of Missouri has a 4-star health rating.

State Bank of Missouri Routing Number: 101908577

Data for Q1 2012

State Bank of Missouri consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

15546 - Chillicothe State Bank
10623 - State Bank of Missouri
15751 - The State Bank

Institution Statistics Chillicothe State Bank FDIC Certificate # 15546 BankRate Report View Year Established 1937 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $123.63 million Loans $62.46 million Deposits $109.44 million Equity Capital $10.26 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $58,000 Historic Data - March 2011 Assets $114.67 million Equity Capital $10.00 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $1.37 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 1.74% Return on Equity 20.45% Interest Income $1.14 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 State Bank of Missouri had $1.82 million in non-current loans and owned real-estate with $11.43 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Missouri a Texas Ratio of 15.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Missouri held steady from 12.28% as of March 31, 2011 to 15.91% as of March 31, 2012, resulting in a negative change of 29.60%. This indicates that the balance sheet and financial strength for State Bank of Missouri has held steady in recent periods. Deposit Growth In the past year, State Bank of Missouri has increased its total deposits by $9.05 million, resulting in 9.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth State Bank of Missouri has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. State Bank of Missouri has $123.63 million in assets with $11.43 million in equity, resulting in a capitalization level of 9.25%, which is average.

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