Southwest Missouri Bank

Overview / Commentary

www.smbonline.com

417-358-9331

300 West Third Street
Carthage, MO 64836

Southwest Missouri Bank is headquartered in CARTHAGE and is the 30^th largest bank in the state of Missouri. It is also the 925^th largest bank in the nation. It was established in 1979 and as of June of 2024, it had grown to 204 employees at 11 locations. Southwest Missouri Bank's CD rates are 5X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	22876
Year Established	1979
Employees	204
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	8.82%
Annual Interest Income	$25.1MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$1.12B$1.07B
Loans	Q2 2024vs Q2 2023	$544.8MM$519.9MM
Deposits	Q2 2024vs Q2 2023	$979.3MM$940MM
Equity Capital	Q2 2024vs Q2 2023	$56.8MM$47.8MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$6MM$5.9MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$1.3MM$1.4MM
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not Southwest Missouri Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southwest Missouri Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Regular Savings
0.10%	$50	-	Health Savings
0.10%	$100	-	Business Savings

Southwest Missouri Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$250k^*	-	Personal Money Market Deposit Account
OTHER TIERS: 0.20% → $0 - $10k \| 0.25% → $10k - $100k \| 0.30% → $100k - $250k

Southwest Missouri Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$0	-	Business Interest Bearing Checking
0.05%	$1k	-	Interest Bearing Checking Account
0.05%	$1k	-	Lifestyles Checking

Southwest Missouri Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%	$500	-	6 Month CD Special
4.05%	$500	-	12 Month CD Special
4.04%	$500	-	6 - 11 Month CD
3.50%	$500	-	12 - 23 Month CD
3.50%	$500	-	24 Month CD Special
3.05%	$500	-	30 Month CD Special
2.00%	$500	-	24 - 35 Month CD
2.00%	$500	-	36 - 47 Month CD
2.00%	$500	-	48 - 59 Month CD
2.00%	$500	-	60 Month CD

Locations

Availability

Joplin Area

Joplin Area bank & credit union details

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