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Putnam County State Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/9/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.putnamcountystatebank.com
660-947-2477
1522 Main Street
Unionville, MO 63565

Putnam County State Bank is headquartered in UNIONVILLE and is the 104th largest bank in the state of Missouri. It is also the 2,588th largest bank in the nation. It was established in 1979 and as of March of 2025, it had grown to 25 employees at 2 locations. Putnam County State Bank's CD rates are 5X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #22895
Year Established1979
Employees25
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.75%
Return on Equity - YTD12.58%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$281.9MM$268.5MM
LoansQ1 2025vs Q1 2024$225.8MM$215.6MM
DepositsQ1 2025vs Q1 2024$241.5MM$228.2MM
Equity CapitalQ1 2025vs Q1 2024$39.5MM$39.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3MM$2.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$231K$2.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Putnam County State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0-Savings

Putnam County State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0-Money Market Account

Putnam County State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0-Now Account

Putnam County State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%*$100k*-12 Month to 23 Month CD
OTHER TIERS: 3.04% → $500 - $10k | 4.07% → $10k - $100k
4.07%*$100k*-6 Month to 11 Month CD
OTHER TIERS: 2.79% → $500 - $10k | 3.56% → $10k - $100k
4.07%*$100k*-24 Month to 35 Month CD
OTHER TIERS: 2.79% → $500 - $10k | 3.82% → $10k - $100k
3.87%*$100k*-60 Month CD
OTHER TIERS: 3.66% → $500 - $10k | 3.76% → $10k - $100k
3.76%*$100k*-48 Month to 59 Month CD
OTHER TIERS: 3.56% → $500 - $10k | 3.66% → $10k - $100k
3.66%*$100k*-36 Month to 47 Month CD
OTHER TIERS: 3.30% → $500 - $10k | 3.56% → $10k - $100k
3.56%*$100k*-31 Day to 5 Month CD
OTHER TIERS: 2.63% → $500 - $10k | 2.78% → $10k - $100k
Locations


Putnam County State Bank Locations
Putnam County State Bank1522 Main StUnionville, MO 63565
Milan Branch420 North PearlMilan, MO 63556

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