Putnam County State Bank is a state-chartered bank headquartered in Unionville, Missouri, in business for about 47 years. At the end of Q2 2026 it reported $317.6M in total assets and $273.7M in deposits, with 2 offices.
Based on its Q2 2026 filing, Putnam County State Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 49th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is funding & liquidity (47/100; 85% loans-to-deposits, 41% uninsured).
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
From Q2 2025 to Q2 2026, the score fell 7 points (87 → 80), mostly because the capital cushion component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 89 |
| Q4 2024 | 81 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 88 |
| Q4 2025 | 82 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.15% |
| Q3 2024 | 15.55% |
| Q4 2024 | 13.98% |
| Q1 2025 | 14.11% |
| Q2 2025 | 14.35% |
| Q3 2025 | 14.59% |
| Q4 2025 | 13.34% |
| Q1 2026 | 13.14% |
| Q2 2026 | 13.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.90% |
| Q3 2024 | 1.81% |
| Q4 2024 | 1.80% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.94% |
| Q3 2025 | 1.99% |
| Q4 2025 | 1.82% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $317.6M | 13.52% | 0.62% | 1.75% | 85.1% |
| Q1 2026 | 81 | $315.9M | 13.14% | 0.31% | 1.61% | 83.0% |
| Q4 2025 | 82 | $313.7M | 13.34% | 0.36% | 1.82% | 89.0% |
| Q3 2025 | 88 | $296.9M | 14.59% | 0.33% | 1.99% | 90.4% |
| Q2 2025 | 87 | $287.2M | 14.35% | 0.38% | 1.94% | 90.7% |
| Q1 2025 | 87 | $281.9M | 14.11% | 0.10% | 1.75% | 93.5% |
| Q4 2024 | 81 | $278.6M | 13.98% | 0.68% | 1.80% | 97.8% |
| Q3 2024 | 89 | $269.3M | 15.55% | 0.21% | 1.81% | 98.4% |
| Q2 2024 | 87 | $268.2M | 15.15% | 0.37% | 1.90% | 97.9% |
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 |
|---|---|---|---|---|---|
| Goppert Financial BankBank Lathrop, MO | 76 out of 100, Strong | $312.0M | 10.1% | 0.00% | vs |
| Community First Banking CompanyBank West Plains, MO | 75 out of 100, Strong | $307.3M | 10.3% | 0.00% | vs |
| Century Bank of the OzarksBank Gainesville, MO | 74 out of 100, Strong | $305.3M | 8.8% | 0.19% | vs |
| O'Bannon Banking CompanyBank Buffalo, MO | 59 out of 100, Moderate | $332.6M | 9.4% | 1.46% | vs |
| Community State Bank of MissouriBank Bowling Green, MO | 80 out of 100, Strong | $333.9M | 11.0% | 0.26% | vs |
| St. Johns Bank and Trust CompanyBank Saint Louis, MO | 47 out of 100, Below average | $297.1M | 12.3% | 3.28% | vs |
Deposit insurance
Is my money safe at Putnam County State Bank?
Yes. Putnam County State Bank is an FDIC-insured institution (FDIC certificate #22895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.8% of deposits ($111.8M) 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 13.52%, 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%).
2 locations
Branches
Putnam County State Bank lists 2 offices in 2 cities. Most locations:
- Milan, MO (1)
- Unionville, MO (1)
Identity & history
Profile
- Legal name
- Putnam County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22895
- RSSD ID
- 382658
- Primary regulator
- FDIC
- Holding company
- Putnam County Bancshares Inc
- Established
- July 5, 1979
- Headquarters
- 1522 Main St, Unionville, MO 63565
- Employees
- 26
Quick answers
Putnam County State Bank: common questions
Is Putnam County State Bank FDIC insured?
Yes. Putnam County State Bank is an FDIC-insured institution (FDIC certificate #22895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Putnam County State Bank's TellerScore?
80 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 Putnam County State Bank ever failed?
There is no failure record for FDIC certificate #22895 in the FDIC failed bank list.
How many branches does Putnam County State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Unionville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Industrial Employees Credit UnionCredit union Centerville, IA | 91 out of 100, Very strong | $9.2M | 22.2% | 0.05% | vs |
| Iowa Trust and Savings BankBank Centerville, IA | 91 out of 100, Very strong | $210.6M | 13.5% | 0.01% | vs |
| Farmers Bank of Northern MissouriBank Unionville, MO | 83 out of 100, Strong | $566.5M | 12.7% | 0.26% | vs |
| Verimore BankBank Brookfield, MO | 76 out of 100, Strong | $639.1M | 10.6% | 0.26% | vs |
| Corydon State BankBank Corydon, IA | 71 out of 100, Strong | $138.0M | 25.7% | 5.45% | vs |
| PSB BankBank Rhineland, MO | 65 out of 100, Moderate | $854.5M | 8.1% | 0.29% | vs |