Southwest Missouri Bank

TODAY'S FEATURED RATES

Member FDIC

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 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

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.smbonline.com

417-358-9331

300 West Third Street
Carthage, MO 64836

Southwest Missouri Bank is headquartered in CARTHAGE and is the 32^nd largest bank in the state of Missouri. It is also the 915^th largest bank in the nation. It was established in 1979 and as of December of 2024, it had grown to 210 employees at 12 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	22876
Year Established	1979
Employees	210
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	11.8%
Annual Interest Income	$51.3MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$1.16B$1.13B
Loans	Q4 2024vs Q4 2023	$575.2MM$532.8MM
Deposits	Q4 2024vs Q4 2023	$1.03B$983.3MM
Equity Capital	Q4 2024vs Q4 2023	$61.4MM$56.5MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$6MM$5.9MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.9MM$1.4MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$50K

TODAY'S FEATURED RATES

Member FDIC

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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!

Rates

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Savings
Money Market
Checking
CD

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* 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
4.19%	$500	-	6 - 11 Month CD
4.19%	$500	-	6 Month CD Special
4.05%	$500	-	12 Month CD Special
3.50%	$500	-	12 - 23 Month CD
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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