🏦Bank Scorer

STATE BANK OF MISSOURI

CONCORDIA, MO · Supervised by FDIC

Est. 1884FDIC #10,623RSSD: FDIC-10623
Part ofC S BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.35%

Institution Profile

FDIC BankFind

Address

101 Nw 2nd St, CONCORDIA, MO

County

Lafayette County

Established

July 28, 1884

Total Assets

$139M(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

March 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$139M

Total Deposits

$128M

Net Loans

$81M

Net Income

$467K

ROA

1.35%

ROE

17.09%

Risk-Based Capital

18.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate7.32%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$130M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244187.8%7.32%
20234481.82%4.55%
20194295.24%2.38%
20183497.06%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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