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St. Clair County State Bank
Osceola, MO · FDIC Certificate #11002 · Chartered 05/0
Total assets
$231.75M
Total deposits
$195.69M
Total equity
$30.81M
Net loans
$176.24M
Branches (offices)
4
Net income (YTD)
$2.08M
Rank: #2,804 of 4,213 U.S. banks by assets · #116 of 190 in Missouri. Assets changed 8.1% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 13.76% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 13.29% |
| Tier 1 leverage ratio | 13.51% |
| Uninsured deposits (share of deposits) | 15.8% |
| Noncurrent loans (share of loans) | 0.24% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.1% |
| Real estate loans (share of loans) | 79.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $139.31M | 79.0% | |
| Commercial & industrial | $8.68M | 4.9% | |
| Consumer / individual | $6.86M | 3.9% | |
| Construction & development | $6.11M | 3.5% | |
| Agricultural | $22.63M | 12.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $183.16M | $159.19M | $1.11M | $23.54M |
| Jun 2023 | $190.11M | $164.57M | $1.64M | $24.65M |
| Jun 2024 | $204.18M | $175.69M | $2.65M | $26.64M |
| Jun 2025 | $214.38M | $184.76M | $1.83M | $28.56M |
| Jun 2026 | $231.75M | $195.69M | $2.08M | $30.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $195.69M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $195.69M.
Similar-sized banks
Peoples Bank Of The South ($232.00M) · Gateway Commercial Bank ($231.41M)
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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