Chillicothe State Bank is a state-chartered bank headquartered in Chillicothe, Missouri, in business for about 89 years. At the end of Q2 2026 it reported $135.2M in total assets and $122.7M in deposits, with 2 offices.
Chillicothe State Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 150th. Problem-loan coverage contributes the most (92/100, 4.2%); capital cushion contributes the least (29/100, 7.89%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 61 |
| Q2 2025 | 64 |
| Q3 2025 | 66 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.33% |
| Q3 2024 | 8.63% |
| Q4 2024 | 8.71% |
| Q1 2025 | 8.75% |
| Q2 2025 | 9.31% |
| Q3 2025 | 8.75% |
| Q4 2025 | 8.48% |
| Q1 2026 | 8.69% |
| Q2 2026 | 7.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.89% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.39% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.72% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.01% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.20% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $135.2M | 7.89% | 0.72% | 1.24% | 60.6% |
| Q1 2026 | 65 | $139.1M | 8.69% | 0.78% | 1.26% | 56.6% |
| Q4 2025 | 64 | $136.6M | 8.48% | 0.84% | 1.20% | 57.1% |
| Q3 2025 | 66 | $134.6M | 8.75% | 0.83% | 1.41% | 59.1% |
| Q2 2025 | 64 | $133.8M | 9.31% | 1.39% | 1.50% | 59.5% |
| Q1 2025 | 61 | $137.4M | 8.75% | 1.23% | 1.16% | 53.9% |
| Q4 2024 | 61 | $135.4M | 8.71% | 1.09% | 1.01% | 54.7% |
| Q3 2024 | 63 | $137.0M | 8.63% | 0.89% | 1.06% | 54.7% |
| Q2 2024 | 64 | $136.1M | 9.33% | 0.94% | 1.00% | 54.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Preferred BankBank Rothville, MO | 69 out of 100, Moderate | $134.5M | 7.6% | 0.18% | vs |
| State Bank of MissouriBank Concordia, MO | 55 out of 100, Moderate | $134.3M | 8.9% | 1.80% | vs |
| County BankBank Brunswick, MO | 76 out of 100, Strong | $133.7M | 8.3% | 0.00% | vs |
| Community Bank of Pleasant HillBank Pleasant Hill, MO | 76 out of 100, Strong | $133.4M | 10.4% | 0.00% | vs |
| Community State BankBank Shelbina, MO | 83 out of 100, Strong | $132.8M | 12.0% | 0.10% | vs |
| Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO | 81 out of 100, Strong | $131.4M | 14.5% | 0.73% | vs |
Deposit insurance
Is my money safe at Chillicothe State Bank?
Yes. Chillicothe State Bank is an FDIC-insured institution (FDIC certificate #15546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($36.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.36% (benchmark: 10%).
2 locations
Branches
Chillicothe State Bank lists 1 office in 1 city. Most locations:
- Chillicothe, MO (1)
Identity & history
Profile
- Legal name
- Chillicothe State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15546
- RSSD ID
- 504142
- Primary regulator
- FDIC
- Holding company
- C S Bancshares Inc
- Established
- October 19, 1937
- Headquarters
- 600 Washington St, Chillicothe, MO 64601
- Website
- www.gostatebank.com
- Employees
- 24
Quick answers
Chillicothe State Bank: common questions
Is Chillicothe State Bank FDIC insured?
Yes. Chillicothe State Bank is an FDIC-insured institution (FDIC certificate #15546). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Chillicothe State Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Chillicothe State Bank ever failed?
There is no failure record for FDIC certificate #15546 in the FDIC failed bank list.
How many branches does Chillicothe State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Chillicothe
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank of Northern MissouriBank Unionville, MO | 83 out of 100, Strong | $566.5M | 12.7% | 0.26% | vs |
| Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO | 76 out of 100, Strong | $116.7M | 11.1% | 0.00% | vs |
| Pony Express BankBank Braymer, MO | 76 out of 100, Strong | $399.5M | 10.2% | 0.17% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
| The Hamilton BankBank Hamilton, MO | 74 out of 100, Strong | $119.8M | 9.3% | 0.47% | vs |
| Southern BankBank Poplar Bluff, MO | 70 out of 100, Strong | $5.2B | 10.4% | 0.63% | vs |