Total Assets
$142M
Total balance-sheet footings
FDIC Cert #26520 · Cassville, Missouri · Est. 1985
Security Bank of Southwest Missouri - FDIC Bank Health Profile
A community-scale look at Security Bank of Southwest Missouri's own numbers, pulled straight from its quarterly FDIC Call Report.
- $142M
- Total assets
- A
- Health grade · Excellent
- 2.86%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Security Bank of Southwest Missouri earns a PlainBankData health grade of A (85/100), with well-capitalized at 12.22% Tier 1, profitable at 2.86% ROA, efficient (44% cost ratio).
- #3,418
- largest of 4,313 FDIC banks by assets
- 21st
- percentile by asset size, nationally
- 12.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 98th
- 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.
How Security Bank of Southwest Missouri's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Security Bank of Southwest Missouri's composite health score
Tier 1 Capital Ratio (12.22%) 35/40
Return on Assets (ROA) (2.86%) 25/25
Texas Ratio (17.45%) 10/20
Efficiency Ratio (44.43%) 15/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$124M
Customer-funded liabilities
Net Loans
$117M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Security Bank of Southwest Missouri ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Security Bank of Southwest Missouri's score of 85/100 falls in the highlighted band.
Security Bank of Southwest Missouri'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). Security Bank of Southwest Missouri's $142M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.22%
Texas Ratio
17.45%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
98th percentile nationally
2.86%
Return on Equity (ROE)
24.62%
Efficiency Ratio
44.43%
What the numbers say about Security Bank of Southwest Missouri
Security Bank of Southwest Missouri is an FDIC-insured institution (Certificate #26520) headquartered in Cassville, Missouri, established in 1985. It holds $142M in total assets - 3,418th of 4,313 FDIC-insured banks, $124M in customer deposits, and $117M in net loans. On safety, its Tier 1 capital ratio of 12.22% is above the 10% well-capitalized threshold, and its Texas Ratio of 17.45% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Security Bank of Southwest Missouri ranks 150th of 198 banks based in Missouri -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$9M
Interest Income
$1M
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Security Bank of Southwest Missouri reports a Texas Ratio of 17.45% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Security Bank of Southwest Missouri (FDIC Cert #26520) - 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 Security Bank of Southwest Missouri's health grade?▼
Security Bank of Southwest Missouri receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Security Bank of Southwest Missouri?▼
Security Bank of Southwest Missouri holds $142M in total assets and $124M in deposits, ranking 3,418th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cassville, Missouri.
Is my money safe at Security Bank of Southwest Missouri?▼
Yes, deposits at Security Bank of Southwest Missouri (Certificate #26520) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Security Bank of Southwest Missouri's Tier 1 Capital Ratio?▼
Security Bank of Southwest Missouri has a Tier 1 Capital Ratio of 12.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Security Bank of Southwest Missouri?▼
Security Bank of Southwest Missouri has a Texas Ratio of 17.45%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Security Bank of Southwest Missouri?▼
Security Bank of Southwest Missouri has an Efficiency Ratio of 44.43%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Security Bank of Southwest Missouri's profile as a depositor or analyst.
- Security Bank of Southwest Missouri's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Security Bank of Southwest Missouri 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.