Total Assets
$75M
Total balance-sheet footings
FDIC Cert #1612 · Creighton, Missouri · Est. 1902
Sherwood Community Bank - FDIC Bank Health Profile
A community-scale look at Sherwood Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $75M
- Total assets
- C
- Health grade · Fair
- 0.89%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
Sherwood Community Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 12.75% Tier 1, 0.89% ROA, 79% efficiency ratio.
- #3,949
- largest of 4,313 FDIC banks by assets
- 8th
- percentile by asset size, nationally
- 12.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 35th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Sherwood Community Bank's 63/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sherwood Community Bank's composite health score
Tier 1 Capital Ratio (12.75%) 35/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (23.48%) 10/20
Efficiency Ratio (78.95%) 4/15
63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$68M
Customer-funded liabilities
Net Loans
$49M
Outstanding loan book
Net Income
$656K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sherwood Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sherwood Community Bank's score of 63/100 falls in the highlighted band.
Sherwood Community 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). Sherwood Community Bank's $75M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.75%
Texas Ratio
23.48%
Equity Capital
$6M
Profitability metrics
Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
12.85%
Efficiency Ratio
78.95%
What the numbers say about Sherwood Community Bank
Sherwood Community Bank is an FDIC-insured institution (Certificate #1612) headquartered in Creighton, Missouri, established in 1902. It holds $75M in total assets - 3,949th of 4,313 FDIC-insured banks, $68M in customer deposits, and $49M in net loans. Capital-wise, the Tier 1 ratio sits at 12.75%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 23.48%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (63 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Sherwood Community Bank is a community-scale institution -- 190th 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
$4M
Interest Income
$342K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sherwood Community Bank reports a Texas Ratio of 23.48% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
23.48% - 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) Sherwood Community Bank (FDIC Cert #1612) - 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 Sherwood Community Bank's health grade?▼
Sherwood Community Bank receives a health grade of C (63/100) 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 Sherwood Community Bank?▼
Sherwood Community Bank holds $75M in total assets and $68M in deposits, ranking 3,949th of 4,313 FDIC-insured banks by asset size. It is headquartered in Creighton, Missouri.
Is my money safe at Sherwood Community Bank?▼
Yes, deposits at Sherwood Community Bank (Certificate #1612) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sherwood Community Bank's Tier 1 Capital Ratio?▼
Sherwood Community Bank has a Tier 1 Capital Ratio of 12.75%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Sherwood Community Bank?▼
Sherwood Community Bank has a Texas Ratio of 23.48%. 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 Sherwood Community Bank?▼
Sherwood Community Bank has an Efficiency Ratio of 78.95%. 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 Sherwood Community Bank's profile as a depositor or analyst.
- Sherwood Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sherwood Community 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.