🏦Bank Scorer

SOUTHWEST MISSOURI BANK

CARTHAGE, MO · Supervised by FDIC

Est. 1979FDIC #22,876RSSD: FDIC-22876
Part ofSOUTHWEST MISSOURI BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

300 W 3rd St, CARTHAGE, MO

County

Jasper County

Established

June 11, 1979

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.1B

Net Loans

$624M

Net Income

$3M

ROA

0.98%

ROE

14.61%

Risk-Based Capital

16.21%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.17%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$999M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202474378.06%11.17%
202375479.84%9.81%
202291581.75%7.43%
202188875.11%10.36%
20201,02476.37%10.45%
201966879.04%8.38%
201864177.38%10.45%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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