State Bank of Missouri (FDIC certificate #10623) is based in Concordia, Missouri. Its Q2 2026 call report shows $134.3M in total assets and $122.1M in deposits and 4 offices.
Based on its Q2 2026 filing, State Bank of Missouri scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 173rd. Its strongest component is problem-loan coverage (75/100; 12.3%), and its lowest is capital cushion (39/100; 8.93%).
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 11 points (44 → 55), mostly because the loan quality component improved by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 58 |
| Q4 2024 | 45 |
| Q1 2025 | 44 |
| Q2 2025 | 44 |
| Q3 2025 | 50 |
| Q4 2025 | 54 |
| Q1 2026 | 56 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.89% |
| Q3 2024 | 8.57% |
| Q4 2024 | 8.88% |
| Q1 2025 | 8.58% |
| Q2 2025 | 8.64% |
| Q3 2025 | 8.68% |
| Q4 2025 | 8.71% |
| Q1 2026 | 8.85% |
| Q2 2026 | 8.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 1.04% |
| Q4 2024 | 2.40% |
| Q1 2025 | 2.53% |
| Q2 2025 | 2.60% |
| Q3 2025 | 2.08% |
| Q4 2025 | 1.66% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $134.3M | 8.93% | 1.80% | 1.32% | 67.1% |
| Q1 2026 | 56 | $139.4M | 8.85% | 1.70% | 1.35% | 63.5% |
| Q4 2025 | 54 | $138.1M | 8.71% | 1.66% | 1.21% | 63.4% |
| Q3 2025 | 50 | $139.1M | 8.68% | 2.08% | 1.26% | 62.2% |
| Q2 2025 | 44 | $142.0M | 8.64% | 2.60% | 1.15% | 60.5% |
| Q1 2025 | 44 | $146.6M | 8.58% | 2.53% | 1.07% | 58.0% |
| Q4 2024 | 45 | $139.3M | 8.88% | 2.40% | 0.93% | 59.7% |
| Q3 2024 | 58 | $143.7M | 8.57% | 1.04% | 0.93% | 57.5% |
| Q2 2024 | 64 | $144.9M | 8.89% | 0.36% | 0.87% | 57.7% |
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 |
|---|---|---|---|---|---|
| Preferred BankBank Rothville, MO | 69 out of 100, Moderate | $134.5M | 7.6% | 0.18% | vs |
| County BankBank Brunswick, MO | 76 out of 100, Strong | $133.7M | 8.3% | 0.00% | vs |
| Community Bank of Pleasant HillBank Pleasant Hill, MO | 76 out of 100, Strong | $133.4M | 10.4% | 0.00% | vs |
| Chillicothe State BankBank Chillicothe, MO | 64 out of 100, Moderate | $135.2M | 7.9% | 0.72% | vs |
| Community State BankBank Shelbina, MO | 83 out of 100, Strong | $132.8M | 12.0% | 0.10% | vs |
| Home Savings and Loan Association of Carroll County, F.A.Bank Norborne, MO | 81 out of 100, Strong | $131.4M | 14.5% | 0.73% | vs |
Deposit insurance
Is my money safe at State Bank of Missouri?
Yes. State Bank of Missouri is an FDIC-insured institution (FDIC certificate #10623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.7% of deposits ($41.1M) 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 8.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.19% (benchmark: 10%).
4 locations
Branches
State Bank of Missouri lists 3 offices in 3 cities. Most locations:
- Alma, MO (1)
- Concordia, MO (1)
- Grain Valley, MO (1)
Identity & history
Profile
- Legal name
- State Bank of Missouri
- Former names
- Alma Bank of Concordia; Alma Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10623
- RSSD ID
- 565844
- Primary regulator
- FDIC
- Holding company
- C S Bancshares Inc
- Established
- July 28, 1884
- Headquarters
- 101 Nw 2nd St, Concordia, MO 64020
- Website
- www.gostatebank.com
- Employees
- 23
Quick answers
State Bank of Missouri: common questions
Is State Bank of Missouri FDIC insured?
Yes. State Bank of Missouri is an FDIC-insured institution (FDIC certificate #10623). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Missouri's TellerScore?
55 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 State Bank of Missouri ever failed?
There is no failure record for FDIC certificate #10623 in the FDIC failed bank list.
How many branches does State Bank of Missouri have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Concordia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Concordia Bank of Concordia, MissouriBank Concordia, MO | 80 out of 100, Strong | $130.0M | 11.9% | 0.32% | vs |
| Bank 21Bank Carrollton, MO | 79 out of 100, Strong | $202.1M | 11.5% | 0.05% | vs |
| F & C BankBank Holden, MO | 78 out of 100, Strong | $481.0M | 11.0% | 0.38% | vs |
| North American Savings Bank, F.S.B.Bank Grandview, MO | 76 out of 100, Strong | $3.2B | 14.2% | 0.90% | vs |