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Southwest Missouri Bank
Carthage, MO · FDIC Certificate #22876 · Chartered 06/1
Total assets
$1.21B
Total deposits
$1.04B
Total equity
$85.27M
Net loans
$633.80M
Branches (offices)
11
Net income (YTD)
$6.28M
Rank: #887 of 4,213 U.S. banks by assets · #29 of 190 in Missouri. Assets changed 4.9% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 15.07% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 7.06% |
| Tier 1 leverage ratio | 8.73% |
| Uninsured deposits (share of deposits) | 30.3% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 60.7% |
| Real estate loans (share of loans) | 75.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $479.30M | 75.6% | |
| Commercial & industrial | $51.34M | 8.1% | |
| Consumer / individual | $95.41M | 15.1% | |
| Construction & development | $55.92M | 8.8% | |
| Agricultural | $12.85M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.09B | $987.14M | $5.28M | $46.74M |
| Jun 2023 | $1.07B | $939.98M | $3.51M | $47.75M |
| Jun 2024 | $1.12B | $979.25M | $2.46M | $56.82M |
| Jun 2025 | $1.15B | $998.71M | $5.30M | $70.64M |
| Jun 2026 | $1.21B | $1.04B | $6.28M | $85.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $1.04B | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.04B.
Similar-sized banks
Bankfirst ($1.21B) · The First National Bank Of Hutchinson ($1.21B)
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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