TellerScore

Headquartered in Saint Robert, Missouri, Security Bank of Pulaski County is a state-chartered bank with $162.9M in total assets and $146.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Security Bank of Pulaski County scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 165th. Its strongest component is funding & liquidity (85/100; 66% loans-to-deposits, 23% uninsured), and its lowest is capital cushion (39/100; 8.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.91%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.20%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 66.1% · 22.9% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.78%

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 5 points (63 → 58), mostly because the loan quality component weakened by 20 points.

TellerScore
555963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202460
Q4 202460
Q1 202562
Q2 202563
Q3 202555
Q4 202560
Q1 202661
Q2 202658
Tier 1 leverage ratio
5.00%6.95%8.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.35%
Q3 20248.33%
Q4 20247.87%
Q1 20258.46%
Q2 20258.29%
Q3 20258.32%
Q4 20258.70%
Q1 20268.72%
Q2 20268.91%
Noncurrent loans
0.61%0.97%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.96%
Q3 20240.73%
Q4 20240.64%
Q1 20250.62%
Q2 20250.61%
Q3 20251.33%
Q4 20251.03%
Q1 20260.97%
Q2 20261.20%
Return on assets
0.67%0.82%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.68%
Q4 20240.74%
Q1 20250.77%
Q2 20250.90%
Q3 20250.90%
Q4 20250.90%
Q1 20260.98%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$162.9M8.91%1.20%0.89%66.1%
Q1 202661$162.5M8.72%0.97%0.98%64.5%
Q4 202560$166.9M8.70%1.03%0.90%61.9%
Q3 202555$158.8M8.32%1.33%0.90%65.2%
Q2 202563$160.9M8.29%0.61%0.90%62.4%
Q1 202562$158.7M8.46%0.62%0.77%63.1%
Q4 202460$165.8M7.87%0.64%0.74%61.3%
Q3 202460$149.2M8.33%0.73%0.68%69.7%
Q2 202458$146.0M8.35%0.96%0.67%70.2%

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).

Capital ratio8.91%
11th
Total risk-based capital14.80%
67th
Problem loans1.20%
24th
Net charge-offs0.15%
16th
Return on assets0.89%
28th
Net interest margin4.15%
63rd
Efficiency ratio71.4%
27th
Loans to deposits66.1%
75th
Uninsured deposits22.9%
53rd
Loan-loss reserves1.37%
70th
Texas ratio11.8%
15th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Commercial Trust Company of FayetteBank Fayette, MO74 out of 100, Strong$163.8M10.4%0.36%vs
Northeast Missouri State BankBank Kirksville, MO84 out of 100, Strong$164.1M11.1%0.02%vs
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Bank of MonticelloBank Monticello, MO66 out of 100, Moderate$159.0M11.9%2.32%vs
Security Bank of the OzarksBank Eminence, MO63 out of 100, Moderate$155.1M7.6%0.56%vs
Grand Missouri BankBank Bolivar, MO81 out of 100, Strong$151.1M13.7%0.22%vs

Deposit insurance

Is my money safe at Security Bank of Pulaski County?

Yes. Security Bank of Pulaski County is an FDIC-insured institution (FDIC certificate #15347). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($33.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Security Bank of Pulaski County lists 3 offices in 2 cities. Most locations:

  • Saint Robert, MO (2)
  • Waynesville, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Security Bank of Pulaski County
Former names
Waynesville Security Bank
Type
State-chartered bank
FDIC certificate #
15347
RSSD ID
382854
Primary regulator
FDIC
Holding company
Security Bancshares Pulaski Cnty
Established
January 1, 1936
Headquarters
102 Carson Blvd, Saint Robert, MO 65584
Employees
29

Quick answers

Security Bank of Pulaski County: common questions

Is Security Bank of Pulaski County FDIC insured?

Yes. Security Bank of Pulaski County is an FDIC-insured institution (FDIC certificate #15347). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Bank of Pulaski County's TellerScore?

58 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 Security Bank of Pulaski County ever failed?

There is no failure record for FDIC certificate #15347 in the FDIC failed bank list.

How many branches does Security Bank of Pulaski County have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Robert

InstitutionScoreAssetsCapitalProblem loansCompare
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO72 out of 100, Strong$456.9M10.5%0.36%vs