TellerScore

Security Bank of Southwest Missouri is a state-chartered bank headquartered in Cassville, Missouri, in business for about 41 years. At the end of Q2 2026 it reported $146.8M in total assets and $127.7M in deposits, with 3 offices.

Security Bank of Southwest Missouri has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 123rd. Earnings contributes the most (100/100, 3.02%); loan quality contributes the least (27/100, 2.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.74%
Loan quality27/100
Noncurrent loans ÷ total loans: 2.18%
Earnings100/100
Return on assets (annualized): 3.02%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.6% · 13.3% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.37%

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 rose 11 points (57 → 68), mostly because the loan quality component improved by 27 points.

TellerScore
526068Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202452
Q4 202456
Q1 202555
Q2 202557
Q3 202559
Q4 202560
Q1 202664
Q2 202668
Tier 1 leverage ratio
5.00%8.87%12.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.36%
Q3 202411.47%
Q4 202411.35%
Q1 202511.33%
Q2 202511.56%
Q3 202511.92%
Q4 202512.22%
Q1 202612.36%
Q2 202612.74%
Noncurrent loans
2.15%4.04%5.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.15%
Q3 20245.93%
Q4 20242.95%
Q1 20253.77%
Q2 20253.27%
Q3 20252.91%
Q4 20252.77%
Q1 20262.42%
Q2 20262.18%
Return on assets
2.40%2.71%3.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.40%
Q3 20242.42%
Q4 20242.55%
Q1 20252.86%
Q2 20252.84%
Q3 20252.88%
Q4 20252.86%
Q1 20262.95%
Q2 20263.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$146.8M12.74%2.18%3.02%88.6%
Q1 202664$145.0M12.36%2.42%2.95%91.8%
Q4 202560$141.8M12.22%2.77%2.86%94.0%
Q3 202559$140.6M11.92%2.91%2.88%89.2%
Q2 202557$140.3M11.56%3.27%2.84%88.0%
Q1 202555$140.7M11.33%3.77%2.86%85.9%
Q4 202456$132.9M11.35%2.95%2.55%91.2%
Q3 202452$129.7M11.47%5.93%2.42%90.9%
Q2 202464$125.3M11.36%2.15%2.40%91.2%

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 ratio12.74%
73rd
Total risk-based capital0.00%
24th
Problem loans2.18%
11th
Net charge-offs-0.01%
90th
Return on assets3.02%
98th
Net interest margin4.99%
92nd
Efficiency ratio42.5%
94th
Loans to deposits88.6%
29th
Uninsured deposits13.3%
86th
Loan-loss reserves1.37%
70th
Texas ratio12.4%
14th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of SalemBank Salem, MO65 out of 100, Moderate$147.0M9.5%0.71%vs
Independent Farmers BankBank Maysville, MO71 out of 100, Strong$146.5M10.5%0.66%vs
First Independent BankBank Aurora, MO74 out of 100, Strong$147.6M11.6%1.00%vs
Peoples Bank Co.Bank Altenburg, MO67 out of 100, Moderate$147.7M8.4%0.06%vs
Jonesburg State BankBank Jonesburg, MO81 out of 100, Strong$145.6M9.9%0.00%vs
Peoples Bank of Wyaconda, MissouriBank Kahoka, MO78 out of 100, Strong$148.5M10.6%0.02%vs

Deposit insurance

Is my money safe at Security Bank of Southwest Missouri?

Yes. Security Bank of Southwest Missouri is an FDIC-insured institution (FDIC certificate #26520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.3% of deposits ($17.0M) 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 12.74%, 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%).

Check how much of your own balance is covered

3 locations

Branches

Security Bank of Southwest Missouri lists 3 offices in 3 cities. Most locations:

  • Cassville, MO (1)
  • Exeter, MO (1)
  • Wheaton, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Security Bank of Southwest Missouri
Type
State-chartered bank
FDIC certificate #
26520
RSSD ID
897853
Primary regulator
FDIC
Established
December 13, 1985
Headquarters
1321 Old Highway 37, Cassville, MO 65625
Website
sbswmo.com
Employees
32

Quick answers

Security Bank of Southwest Missouri: common questions

Is Security Bank of Southwest Missouri FDIC insured?

Yes. Security Bank of Southwest Missouri is an FDIC-insured institution (FDIC certificate #26520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Security Bank of Southwest Missouri's TellerScore?

68 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 Southwest Missouri ever failed?

There is no failure record for FDIC certificate #26520 in the FDIC failed bank list.

How many branches does Security Bank of Southwest Missouri have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cassville

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Anstaff BankBank Green Forest, AR79 out of 100, Strong$1.2B10.2%0.14%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs