Four States Bank (FDIC certificate #59352) is based in Carthage, Missouri. Its Q2 2026 call report shows $142.1M in total assets and $114.3M in deposits and 4 offices.
Based on its Q2 2026 filing, Four States Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 72nd. Its strongest component is capital cushion (100/100; 15.85%), and its lowest is earnings (21/100; 0.03%).
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.
8 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q3 2024 | 67 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q3 2024 | 96.81% |
| Q4 2024 | 61.93% |
| Q1 2025 | 40.66% |
| Q2 2025 | 33.02% |
| Q3 2025 | 27.43% |
| Q4 2025 | 26.15% |
| Q1 2026 | 20.53% |
| Q2 2026 | 15.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q3 2024 | -5.85% |
| Q4 2024 | -4.42% |
| Q1 2025 | -1.25% |
| Q2 2025 | -1.73% |
| Q3 2025 | -1.34% |
| Q4 2025 | -1.32% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $142.1M | 15.85% | 0.00% | 0.03% | 89.5% |
| Q1 2026 | 76 | $116.5M | 20.53% | 0.00% | 0.01% | 92.0% |
| Q4 2025 | 71 | $95.3M | 26.15% | 0.00% | -1.32% | 97.6% |
| Q3 2025 | 70 | $80.7M | 27.43% | 0.00% | -1.34% | 96.2% |
| Q2 2025 | 71 | $72.5M | 33.02% | 0.00% | -1.73% | 93.9% |
| Q1 2025 | 72 | $61.8M | 40.66% | 0.00% | -1.25% | 88.2% |
| Q4 2024 | 72 | $52.2M | 61.93% | 0.00% | -4.42% | 76.9% |
| Q3 2024 | 67 | $25.1M | 96.81% | 0.00% | -5.85% | 360.3% |
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 |
|---|---|---|---|---|---|
| Citizens Community BankBank Pilot Grove, MO | 79 out of 100, Strong | $142.6M | 11.6% | 0.27% | vs |
| Bank of CrockerBank Waynesville, MO | 58 out of 100, Moderate | $143.3M | 12.8% | 2.75% | vs |
| Community Bank of El Dorado SpringsBank El Dorado Springs, MO | 98 out of 100, Very strong | $143.6M | 16.6% | 0.09% | vs |
| Alton BankBank Alton, MO | 63 out of 100, Moderate | $145.0M | 8.0% | 0.52% | vs |
| Jonesburg State BankBank Jonesburg, MO | 81 out of 100, Strong | $145.6M | 9.9% | 0.00% | vs |
| Independent Farmers BankBank Maysville, MO | 71 out of 100, Strong | $146.5M | 10.5% | 0.66% | vs |
Deposit insurance
Is my money safe at Four States Bank?
Yes. Four States Bank is an FDIC-insured institution (FDIC certificate #59352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.1% of deposits ($44.7M) 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 15.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Four States Bank lists 3 offices in 3 cities. Most locations:
- Carthage, MO (1)
- Joplin, MO (1)
- Springfield, MO (1)
Identity & history
Profile
- Legal name
- Four States Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59352
- RSSD ID
- 5903517
- Primary regulator
- FDIC
- Holding company
- Four States Bancshares Inc
- Established
- August 26, 2024
- Headquarters
- 213 Lyon St, Carthage, MO 64836
- Website
- www.4sb.com
- Employees
- 31
Quick answers
Four States Bank: common questions
Is Four States Bank FDIC insured?
Yes. Four States Bank is an FDIC-insured institution (FDIC certificate #59352). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Four States Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Four States Bank ever failed?
There is no failure record for FDIC certificate #59352 in the FDIC failed bank list.
How many branches does Four States Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carthage
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Joplin Metro Credit UnionCredit union Joplin, MO | 89 out of 100, Very strong | $57.8M | 17.7% | 0.78% | vs |
| Kansas Teachers Community Credit UnionCredit union Pittsburg, KS | 83 out of 100, Strong | $125.3M | 15.3% | 1.24% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Legacy Credit UnionCredit union Joplin, MO | 80 out of 100, Strong | $25.4M | 17.5% | 1.60% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| Lamar Bank and Trust CompanyBank Lamar, MO | 79 out of 100, Strong | $269.0M | 10.2% | 0.05% | vs |