Southwest Missouri Bank

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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

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.smbonline.com

417-358-9331

300 West Third Street
Carthage, MO 64836

Southwest Missouri Bank is headquartered in CARTHAGE and is the 31^st largest bank in the state of Missouri. It is also the 913^th largest bank in the nation. It was established in 1979 and as of March of 2025, it had grown to 214 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	22876
Year Established	1979
Employees	214
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.89%
Return on Equity - YTD	16.19%
Annual Interest Income	$13.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.16B$1.14B
Loans	Q1 2025vs Q1 2024	$581.1MM$534MM
Deposits	Q1 2025vs Q1 2024	$1.01B$979.5MM
Equity Capital	Q1 2025vs Q1 2024	$66.2MM$54.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.1MM$5.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.3MM$1.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$55K$0

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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

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!

Rates

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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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