Total Assets
$95M
Total balance-sheet footings
FDIC Cert #59352 · Carthage, Missouri · Est. 2024
Four States Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $95M
- Total assets
- C
- Health grade · Fair
- -1.32%
- Return on assets
- 26.1%
- Tier 1 capital
Data updated July 2026
The verdict
Four States Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 26.15% Tier 1, -1.32% ROA, 111% efficiency ratio.
- #3,774
- largest of 4,313 FDIC banks by assets
- 12th
- percentile by asset size, nationally
- 26.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Four States Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Four States Bank's composite health score
Tier 1 Capital Ratio (26.15%) 40/40
Return on Assets (ROA) (-1.32%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (111.42%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$70M
Outstanding loan book
Net Income
$-954K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Four States Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Four States Bank's score of 60/100 falls in the highlighted band.
Four States 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). Four States Bank's $95M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
26.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
26.15%
Texas Ratio
0.00%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.32%
Return on Equity (ROE)
-4.38%
Efficiency Ratio
111.42%
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. It holds $95M in total assets - 3,774th of 4,313 FDIC-insured banks, $72M in customer deposits, and $70M in net loans. Capital-wise, the Tier 1 ratio sits at 26.15%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Four States Bank is a community-scale institution -- 184th of 198 FDIC-insured banks headquartered in Missouri by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$542K
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. Four States Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Four States Bank
Four States Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-954K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Four States Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Four States Bank (FDIC Cert #59352) - 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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Four States Bank's health grade?▼
Four States Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Four States Bank?▼
Four States Bank holds $95M in total assets and $72M in deposits, ranking 3,774th of 4,313 FDIC-insured banks by asset size. It is headquartered in Carthage, Missouri.
Is my money safe at Four States Bank?▼
Yes, deposits at Four States Bank (Certificate #59352) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Four States Bank's Tier 1 Capital Ratio?▼
Four States Bank has a Tier 1 Capital Ratio of 26.15%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Four States Bank?▼
Four States Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Four States Bank?▼
Four States Bank has an Efficiency Ratio of 111.42%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Four States Bank's profile as a depositor or analyst.
- Four States Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Four States Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.