Headquartered in Osceola, Missouri, St. Clair County State Bank is a state-chartered bank with $231.8M in total assets and $195.7M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1896.
Based on its Q2 2026 filing, St. Clair County State Bank scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 15th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is funding & liquidity (69/100; 90% loans-to-deposits, 16% 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 rose 3 points (84 → 87), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 73 |
| Q4 2024 | 88 |
| Q1 2025 | 85 |
| Q2 2025 | 84 |
| Q3 2025 | 78 |
| Q4 2025 | 78 |
| Q1 2026 | 87 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.23% |
| Q3 2024 | 13.35% |
| Q4 2024 | 13.22% |
| Q1 2025 | 13.19% |
| Q2 2025 | 13.33% |
| Q3 2025 | 13.61% |
| Q4 2025 | 13.78% |
| Q1 2026 | 13.46% |
| Q2 2026 | 13.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 1.98% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.49% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.34% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.61% |
| Q3 2024 | 2.31% |
| Q4 2024 | 2.02% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.71% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.77% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $231.8M | 13.51% | 0.24% | 1.85% | 90.1% |
| Q1 2026 | 87 | $226.6M | 13.46% | 0.31% | 1.77% | 85.6% |
| Q4 2025 | 78 | $216.0M | 13.78% | 1.34% | 1.77% | 85.1% |
| Q3 2025 | 78 | $214.1M | 13.61% | 1.26% | 1.74% | 83.9% |
| Q2 2025 | 84 | $214.4M | 13.33% | 0.49% | 1.71% | 82.8% |
| Q1 2025 | 85 | $215.0M | 13.19% | 0.35% | 1.67% | 78.7% |
| Q4 2024 | 88 | $212.7M | 13.22% | 0.31% | 2.02% | 79.5% |
| Q3 2024 | 73 | $204.8M | 13.35% | 1.98% | 2.31% | 83.4% |
| Q2 2024 | 84 | $204.2M | 13.23% | 0.77% | 2.61% | 78.7% |
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 |
|---|---|---|---|---|---|
| Citizens Bank of the MidwestBank Rolla, MO | 55 out of 100, Moderate | $238.3M | 8.4% | 0.33% | vs |
| TBO BankBank Orrick, MO | 50 out of 100, Below average | $224.8M | 10.9% | 1.69% | vs |
| The Seymour BankBank Seymour, MO | 73 out of 100, Strong | $224.7M | 11.3% | 0.46% | vs |
| Bank of GrandinBank Grandin, MO | 64 out of 100, Moderate | $241.0M | 14.7% | 2.88% | vs |
| FCNB BankBank Steelville, MO | 67 out of 100, Moderate | $220.4M | 8.1% | 0.00% | vs |
| Bank of WestonBank Weston, MO | 68 out of 100, Moderate | $246.5M | 8.8% | 0.90% | vs |
Deposit insurance
Is my money safe at St. Clair County State Bank?
Yes. St. Clair County State Bank is an FDIC-insured institution (FDIC certificate #11002). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.8% of deposits ($31.0M) 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 13.51%, 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%).
4 locations
Branches
St. Clair County State Bank lists 3 offices in 3 cities. Most locations:
- Appleton, MO (1)
- Lowry City, MO (1)
- Osceola, MO (1)
Identity & history
Profile
- Legal name
- St. Clair County State Bank
- Former names
- Johnson Lucas Banking Company; Osceola Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11002
- RSSD ID
- 692450
- Primary regulator
- FDIC
- Holding company
- Margaret Parker Platter Charitable Tr
- Established
- May 1, 1896
- Headquarters
- 680 2nd St, Osceola, MO 64776
- Website
- www.sccsbank.com
- Employees
- 31
Quick answers
St. Clair County State Bank: common questions
Is St. Clair County State Bank FDIC insured?
Yes. St. Clair County State Bank is an FDIC-insured institution (FDIC certificate #11002). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is St. Clair County State Bank's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has St. Clair County State Bank ever failed?
There is no failure record for FDIC certificate #11002 in the FDIC failed bank list.
How many branches does St. Clair County State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Osceola
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Bank of El Dorado SpringsBank El Dorado Springs, MO | 98 out of 100, Very strong | $143.6M | 16.6% | 0.09% | vs |
| Montrose Savings BankBank Montrose, MO | 97 out of 100, Very strong | $63.2M | 14.5% | 0.13% | vs |
| Grand Missouri BankBank Bolivar, MO | 81 out of 100, Strong | $151.1M | 13.7% | 0.22% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
| Citizens BankBank Butler, MO | 70 out of 100, Strong | $188.1M | 7.7% | 0.20% | vs |