Total Assets
$95M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Four States Bank — FDIC Bank Health Profile
Carthage, Missouri · Est. 2024. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #59352 Kansas City Region
F
Health grade
At Risk
Score: 0/100
Basel III capital ratios — Four States Bank
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$70M
Outstanding loan book
Net Income
$-954K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$21M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-1.32%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-4.38%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
111.42%
Income & Expense Breakdown
$5M
Interest Income
$542K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Four States Bank is FDIC-insured (Certificate #59352). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Four States Bank
Four States Bank is an FDIC-insured institution (Certificate #59352) headquartered in Carthage, Missouri, established in 2024. The bank currently holds $95M in total assets and $72M in customer deposits, with $70M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Four States Bank reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $21M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -1.32% and a Return on Equity of -4.38%, with an Efficiency Ratio of 111.42% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (0/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Four States Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Missouri by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Four States Bank (FDIC Cert #59352) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National Association Kansas City | $72.8B | C | 1.01% |
| Commerce Bank Kansas City | $32.7B | B | 1.74% |
| The Central Trust Bank Jefferson City | $20.8B | B | 1.82% |
| Stifel Bank and Trust Saint Louis | $19.4B | B | 1.82% |
| Enterprise Bank & Trust Clayton | $17.3B | C | 1.29% |
| Stifel Bank Saint Louis | $11.7B | C | 1.49% |
| First Bank St. Louis | $6.7B | C | 0.51% |
| Great Southern Bank Reeds Spring | $5.6B | B | 1.31% |
Frequently Asked Questions
What is Four States Bank's health grade? ▼
Four States Bank receives a health grade of F (0/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Four States Bank? ▼
Four States Bank holds $95M in total assets and $72M in deposits. It is headquartered in Carthage, Missouri.
Is my money safe at Four States Bank? ▼
Yes. Four States Bank is FDIC-insured (Certificate #59352). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Four States Bank's Tier 1 Capital Ratio? ▼
Four States Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Four States Bank? ▼
Four States Bank has an Efficiency Ratio of 111.42%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.