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Chillicothe State Bank
Chillicothe, MO · FDIC Certificate #15546 · Chartered 10/1
Total assets
$135.18M
Total deposits
$122.68M
Total equity
$11.60M
Net loans
$74.32M
Branches (offices)
2
Net income (YTD)
$851.00K
Rank: #3,425 of 4,213 U.S. banks by assets · #152 of 190 in Missouri. Assets changed 1.0% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 15.09% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 7.89% |
| Uninsured deposits (share of deposits) | 29.3% |
| Noncurrent loans (share of loans) | 0.72% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 60.6% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $63.82M | 85.9% | |
| Commercial & industrial | $4.06M | 5.5% | |
| Consumer / individual | $5.89M | 7.9% | |
| Construction & development | $2.66M | 3.6% | |
| Agricultural | $1.74M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $146.11M | $136.04M | $624.00K | $9.27M |
| Jun 2023 | $139.41M | $129.48M | $458.00K | $9.13M |
| Jun 2024 | $136.10M | $124.76M | $703.00K | $10.44M |
| Jun 2025 | $133.82M | $121.29M | $1.01M | $11.51M |
| Jun 2026 | $135.18M | $122.68M | $851.00K | $11.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $122.68M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $122.68M.
Similar-sized banks
F&M Bank ($135.28M) · Stoughton Co-Operative Bank ($135.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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