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Putnam County State Bank
Unionville, MO · FDIC Certificate #22895 · Chartered 07/0
Total assets
$317.56M
Total deposits
$273.69M
Total equity
$42.66M
Net loans
$232.96M
Branches (offices)
2
Net income (YTD)
$2.77M
Rank: #2,388 of 4,213 U.S. banks by assets · #96 of 190 in Missouri. Assets changed 10.6% and deposits 11.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.75% |
| Return on equity | 13.41% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 13.43% |
| Tier 1 leverage ratio | 13.52% |
| Uninsured deposits (share of deposits) | 40.8% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.1% |
| Real estate loans (share of loans) | 55.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $129.59M | 55.6% | |
| Commercial & industrial | $33.05M | 14.2% | |
| Consumer / individual | $3.98M | 1.7% | |
| Construction & development | $6.58M | 2.8% | |
| Agricultural | $63.29M | 27.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $254.28M | $217.81M | $1.86M | $35.70M |
| Jun 2023 | $247.71M | $208.70M | $2.32M | $38.44M |
| Jun 2024 | $268.23M | $226.71M | $2.55M | $40.58M |
| Jun 2025 | $287.23M | $245.26M | $2.75M | $41.02M |
| Jun 2026 | $317.56M | $273.69M | $2.77M | $42.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $273.69M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $273.69M.
Similar-sized banks
Bank Of York ($317.68M) · First Southern Bank ($317.34M)
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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