FDIC Cert #15546 · Chillicothe, Missouri · Est. 1937

Chillicothe State Bank - FDIC Bank Health Profile

A community-scale look at Chillicothe State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$137M
Total assets
A
Health grade · Excellent
1.20%
Return on assets
19.4%
Tier 1 capital

Data updated July 2026

The verdict

Chillicothe State Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 19.45% Tier 1, profitable at 1.20% ROA, 61% efficiency ratio.

#3,469
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
19.45%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15546 · MO A · 88/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • MID-PACK #1093/4307
  • PHOTO-FINISH First Southern Bank · IL
  • TIER1-WELL 19.4% Tier 1
  • TEXAS-CLEAN 5.0% Texas
  • ROA-PAR 1.20% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: First Southern Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Chillicothe State Bank

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Chillicothe State Bank · MO …88/100Coleman County State… · TX ·…88/100First Southern Bank · IL · n…88/100First State Bank of… · ND · …88/100Taylor County Bank · KY · ne…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Chillicothe State Bank · July 2026

Call Report read for Chillicothe State Bank in a high-failure state

Chillicothe State Bank (FDIC Cert #15546) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,093 of 4,307. Tier 1 capital prints at 19.45%, clearing the 10% well-capitalized line. The Texas Ratio is 4.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.20%. Balance-sheet scale is $137M, 3,469th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Southern Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Chillicothe State Bank

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Chillicothe State Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Chillicothe State Bank's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

How Chillicothe State Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Chillicothe State Bank's composite health score
Tier 1 Capital Ratio (19.45%) 40/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (4.96%) 20/20
Efficiency Ratio (61.40%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$137M

Total balance-sheet footings

Total Deposits

$125M

Customer-funded liabilities

Net Loans

$71M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.05% 19.45% 20.85%
Basel III capital ratios - Chillicothe State Bank

Where Chillicothe State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Chillicothe State Bank's score of 88/100 falls in the highlighted band.

Chillicothe State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 25% higher than 75% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Chillicothe State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Chillicothe State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Chillicothe State Bank's $137M falls in the highlighted band.

Capital & credit buffers at Chillicothe State Bank

Tier 1 capital ratio
Well-capitalized 10%

19.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.45%
Texas Ratio
4.96%
Equity Capital
$11M

What these ratios mean →

Earnings posture at Chillicothe State Bank

Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
15.00%
Efficiency Ratio
61.40%

What these mean →

Income & expense at Chillicothe State Bank

$6M
Interest Income
$818K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Chillicothe State Bank reports a Texas Ratio of 4.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Chillicothe State Bank on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($137M here), outside Missouri so the neighborhood is not state containment.

POINTWEST BANK $137M · TX The Settlers Bank $137M · OH The First National Bank of Aspermont $137M · TX RG Bank, A Savings and Loan Associati… $136M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Chillicothe State Bank (FDIC Cert #15546) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Chillicothe State Bank Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%