TellerScore

The Seymour Bank (FDIC certificate #15701) is based in Seymour, Missouri. Its Q2 2026 call report shows $224.7M in total assets and $194.3M in deposits and 3 offices.

Based on its Q2 2026 filing, The Seymour Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 94th. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is earnings (61/100; 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.30%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.46%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 73.1% · 23.1% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.09%

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 2 points (75 → 73), mostly because the loan quality component weakened by 15 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202573
Q2 202575
Q3 202575
Q4 202569
Q1 202671
Q2 202673
Tier 1 leverage ratio
5.00%8.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.91%
Q3 202410.72%
Q4 202410.53%
Q1 202510.34%
Q2 202510.79%
Q3 202510.99%
Q4 202511.01%
Q1 202610.69%
Q2 202611.30%
Noncurrent loans
0.00%0.34%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.02%
Q1 20250.02%
Q2 20250.01%
Q3 20250.00%
Q4 20250.68%
Q1 20260.53%
Q2 20260.46%
Return on assets
0.44%0.73%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.49%
Q4 20240.50%
Q1 20250.66%
Q2 20250.70%
Q3 20250.77%
Q4 20250.78%
Q1 20261.00%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$224.7M11.30%0.46%1.02%73.1%
Q1 202671$225.0M10.69%0.53%1.00%73.0%
Q4 202569$240.2M11.01%0.68%0.78%66.2%
Q3 202575$223.9M10.99%0.00%0.77%73.8%
Q2 202575$223.3M10.79%0.01%0.70%71.5%
Q1 202573$223.1M10.34%0.02%0.66%69.6%
Q4 202472$240.6M10.53%0.02%0.50%63.7%
Q3 202473$224.5M10.72%0.02%0.49%69.2%
Q2 202473$218.5M10.91%0.00%0.44%72.6%

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 ratio11.30%
55th
Total risk-based capital0.00%
24th
Problem loans0.46%
47th
Net charge-offs0.07%
23rd
Return on assets1.02%
35th
Net interest margin3.80%
42nd
Efficiency ratio68.5%
33rd
Loans to deposits73.1%
64th
Uninsured deposits23.1%
53rd
Loan-loss reserves1.12%
41st
Texas ratio3.1%
47th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
TBO BankBank Orrick, MO50 out of 100, Below average$224.8M10.9%1.69%vs
FCNB BankBank Steelville, MO67 out of 100, Moderate$220.4M8.1%0.00%vs
St. Clair County State BankBank Osceola, MO87 out of 100, Very strong$231.8M13.5%0.24%vs
1st Advantage BankBank Saint Peters, MO68 out of 100, Moderate$212.0M9.9%0.14%vs
The Corner Stone BankBank South West City, MO67 out of 100, Moderate$211.4M12.2%1.72%vs
Citizens Bank of the MidwestBank Rolla, MO55 out of 100, Moderate$238.3M8.4%0.33%vs

Deposit insurance

Is my money safe at The Seymour Bank?

Yes. The Seymour Bank is an FDIC-insured institution (FDIC certificate #15701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.1% of deposits ($44.8M) 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 11.30%, 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

The Seymour Bank lists 3 offices in 3 cities. Most locations:

  • Marshfield, MO (1)
  • Rogersville, MO (1)
  • Seymour, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Seymour Bank
Type
State-chartered bank
FDIC certificate #
15701
RSSD ID
428855
Primary regulator
FDIC
Holding company
Cottonrudy Investment Co
Established
November 25, 1939
Headquarters
119 N Main St, Seymour, MO 65746
Employees
50

Quick answers

The Seymour Bank: common questions

Is The Seymour Bank FDIC insured?

Yes. The Seymour Bank is an FDIC-insured institution (FDIC certificate #15701). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Seymour Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Seymour Bank ever failed?

There is no failure record for FDIC certificate #15701 in the FDIC failed bank list.

How many branches does The Seymour Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Seymour

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
Progressive Ozark BankBank Salem, MO77 out of 100, Strong$190.9M9.8%0.03%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs
Citizens Bank of RogersvilleBank Rogersville, MO75 out of 100, Strong$125.2M11.4%0.41%vs
Century Bank of the OzarksBank Gainesville, MO74 out of 100, Strong$305.3M8.8%0.19%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs