TellerScore

Southwest Missouri Bank is a state-chartered bank headquartered in Carthage, Missouri, in business for about 47 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 11 offices.

Southwest Missouri Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 119th. Problem-loan coverage contributes the most (97/100, 1.7%); capital cushion contributes the least (37/100, 8.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.73%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 60.7% · 30.3% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.72%

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 (68 → 68).

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202464
Q4 202463
Q1 202567
Q2 202568
Q3 202568
Q4 202568
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%6.86%8.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.40%
Q3 20248.50%
Q4 20248.58%
Q1 20258.46%
Q2 20258.54%
Q3 20258.65%
Q4 20258.67%
Q1 20268.58%
Q2 20268.73%
Noncurrent loans
0.16%0.24%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.31%
Q4 20240.32%
Q1 20250.22%
Q2 20250.16%
Q3 20250.22%
Q4 20250.19%
Q1 20260.21%
Q2 20260.25%
Return on assets
0.44%0.73%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.57%
Q4 20240.62%
Q1 20250.89%
Q2 20250.92%
Q3 20250.92%
Q4 20250.97%
Q1 20260.98%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.2B8.73%0.25%1.03%60.7%
Q1 202668$1.2B8.58%0.21%0.98%59.2%
Q4 202568$1.2B8.67%0.19%0.97%58.2%
Q3 202568$1.2B8.65%0.22%0.92%60.6%
Q2 202568$1.2B8.54%0.16%0.92%59.7%
Q1 202567$1.2B8.46%0.22%0.89%57.3%
Q4 202463$1.2B8.58%0.32%0.62%55.9%
Q3 202464$1.1B8.50%0.31%0.57%57.6%
Q2 202463$1.1B8.40%0.24%0.44%55.6%

897 peers · $1 billion – $10 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 ratio8.73%
8th
Total risk-based capital16.39%
79th
Problem loans0.25%
73rd
Net charge-offs0.16%
23rd
Return on assets1.03%
33rd
Net interest margin3.82%
57th
Efficiency ratio69.1%
23rd
Loans to deposits60.7%
92nd
Uninsured deposits30.3%
52nd
Loan-loss reserves1.11%
44th
Texas ratio1.7%
73rd

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Montgomery BankBank Sikeston, MO70 out of 100, Strong$1.2B9.7%0.44%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Mid America BankBank Jefferson City, MO70 out of 100, Strong$1.2B10.8%0.89%vs
Bank of WashingtonBank Washington, MO44 out of 100, Below average$1.1B12.5%3.50%vs
St. Louis BankBank Saint Louis, MO38 out of 100, Low$1.1B8.8%2.87%vs
Triad BankBank Frontenac, MO68 out of 100, Moderate$1.1B10.7%0.21%vs

Deposit insurance

Is my money safe at Southwest Missouri Bank?

Yes. Southwest Missouri Bank is an FDIC-insured institution (FDIC certificate #22876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.3% of deposits ($316.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.39% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Southwest Missouri Bank lists 11 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southwest Missouri Bank reported 781 home-loan applications under HMDA (LEI 549300DHRESF8KLNP162): 618 originated ($87,470,000 total), 89 denied, and 55 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Southwest Missouri Bank
Type
State-chartered bank
FDIC certificate #
22876
RSSD ID
760854
Primary regulator
FDIC
Holding company
Southwest Missouri Bcorp Inc
Established
June 11, 1979
Headquarters
300 W 3rd St, Carthage, MO 64836
Employees
219

Quick answers

Southwest Missouri Bank: common questions

Is Southwest Missouri Bank FDIC insured?

Yes. Southwest Missouri Bank is an FDIC-insured institution (FDIC certificate #22876). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southwest Missouri Bank'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 Southwest Missouri Bank ever failed?

There is no failure record for FDIC certificate #22876 in the FDIC failed bank list.

How many branches does Southwest Missouri Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carthage

InstitutionScoreAssetsCapitalProblem loansCompare
Joplin Metro Credit UnionCredit union Joplin, MO89 out of 100, Very strong$57.8M17.7%0.78%vs
Kansas Teachers Community Credit UnionCredit union Pittsburg, KS83 out of 100, Strong$125.3M15.3%1.24%vs
Mid-Missouri BankBank Springfield, MO80 out of 100, Strong$946.7M10.8%0.07%vs
Legacy Credit UnionCredit union Joplin, MO80 out of 100, Strong$25.4M17.5%1.60%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
Lamar Bank and Trust CompanyBank Lamar, MO79 out of 100, Strong$269.0M10.2%0.05%vs