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Four States Bank
Carthage, MO · FDIC Certificate #59352 · Chartered 08/2
Total assets
$142.08M
Total deposits
$114.25M
Total equity
$21.28M
Net loans
$102.21M
Branches (offices)
4
Net income (YTD)
$16.00K
Rank: #3,360 of 4,213 U.S. banks by assets · #151 of 190 in Missouri. Assets changed 95.9% and deposits 127.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.03% |
| Return on equity | 0.15% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 14.97% |
| Tier 1 leverage ratio | 15.85% |
| Uninsured deposits (share of deposits) | 39.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.5% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $86.09M | 84.2% | |
| Commercial & industrial | $15.55M | 15.2% | |
| Consumer / individual | $132.00K | 0.1% | |
| Construction & development | $10.38M | 10.2% | |
| Agricultural | $1.59M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2025 | $72.53M | $50.15M | -$539.00K | $21.68M |
| Jun 2026 | $142.08M | $114.25M | $16.00K | $21.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $114.25M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.25M.
Similar-sized banks
The Settlers Bank ($142.45M) · Marion State Bank ($142.04M)
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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