Headquartered in Kirksville, Missouri, Northeast Missouri State Bank is a state-chartered bank with $164.1M in total assets and $147.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1933.
Based on its Q2 2026 filing, Northeast Missouri State Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 29th. Its strongest component is funding & liquidity (100/100; 45% loans-to-deposits, 11% uninsured), and its lowest is capital cushion (61/100; 11.11%).
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 (83 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 72 |
| Q4 2024 | 83 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 57 |
| Q4 2025 | 79 |
| Q1 2026 | 85 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.92% |
| Q3 2024 | 12.00% |
| Q4 2024 | 11.75% |
| Q1 2025 | 11.84% |
| Q2 2025 | 11.58% |
| Q3 2025 | 11.54% |
| Q4 2025 | 11.43% |
| Q1 2026 | 11.42% |
| Q2 2026 | 11.11% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.09% |
| Q3 2024 | 1.23% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.13% |
| Q3 2025 | 3.07% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 0.99% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $164.1M | 11.11% | 0.02% | 1.53% | 44.8% |
| Q1 2026 | 85 | $164.6M | 11.42% | 0.03% | 1.50% | 43.8% |
| Q4 2025 | 79 | $158.0M | 11.43% | 0.59% | 1.37% | 47.8% |
| Q3 2025 | 57 | $154.0M | 11.54% | 3.07% | 1.35% | 47.5% |
| Q2 2025 | 83 | $150.4M | 11.58% | 0.13% | 1.25% | 46.4% |
| Q1 2025 | 83 | $149.0M | 11.84% | 0.05% | 1.15% | 45.4% |
| Q4 2024 | 83 | $143.2M | 11.75% | 0.00% | 1.02% | 47.3% |
| Q3 2024 | 72 | $141.1M | 12.00% | 1.23% | 0.99% | 46.7% |
| Q2 2024 | 82 | $138.7M | 11.92% | 0.09% | 1.02% | 47.8% |
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 |
|---|---|---|---|---|---|
| Commercial Trust Company of FayetteBank Fayette, MO | 74 out of 100, Strong | $163.8M | 10.4% | 0.36% | vs |
| Security Bank of Pulaski CountyBank Saint Robert, MO | 58 out of 100, Moderate | $162.9M | 8.9% | 1.20% | vs |
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Bank of MonticelloBank Monticello, MO | 66 out of 100, Moderate | $159.0M | 11.9% | 2.32% | vs |
| Security Bank of the OzarksBank Eminence, MO | 63 out of 100, Moderate | $155.1M | 7.6% | 0.56% | vs |
| New Frontier BankBank Saint Charles, MO | 71 out of 100, Strong | $175.7M | 9.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Northeast Missouri State Bank?
Yes. Northeast Missouri State Bank is an FDIC-insured institution (FDIC certificate #13381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.2% of deposits ($16.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.18% (benchmark: 10%).
2 locations
Branches
Northeast Missouri State Bank lists 2 offices in 2 cities. Most locations:
- Kirksville, MO (1)
- La Plata, MO (1)
Identity & history
Profile
- Legal name
- Northeast Missouri State Bank
- Former names
- Schuyler County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13381
- RSSD ID
- 651158
- Primary regulator
- FDIC
- Holding company
- Schuyler County Bancshares Inc
- Established
- December 20, 1933
- Headquarters
- 600 S Baltimore St, Kirksville, MO 63501
- Employees
- 14
Quick answers
Northeast Missouri State Bank: common questions
Is Northeast Missouri State Bank FDIC insured?
Yes. Northeast Missouri State Bank is an FDIC-insured institution (FDIC certificate #13381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Northeast Missouri State Bank's TellerScore?
84 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 Northeast Missouri State Bank ever failed?
There is no failure record for FDIC certificate #13381 in the FDIC failed bank list.
How many branches does Northeast Missouri State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kirksville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens Bank of EdinaBank Edina, MO | 81 out of 100, Strong | $106.7M | 14.5% | 1.45% | vs |
| United State BankBank Lewistown, MO | 80 out of 100, Strong | $290.1M | 10.5% | 0.07% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |
| Bank of Brookfield - Purdin, National AssociationBank Brookfield, MO | 76 out of 100, Strong | $116.7M | 11.1% | 0.00% | vs |
| Alliant BankBank Madison, MO | 70 out of 100, Strong | $256.4M | 9.0% | 0.00% | vs |
| Exchange Bank Co.Bank Kahoka, MO | 69 out of 100, Moderate | $341.5M | 9.1% | 1.33% | vs |