Total Assets
$1.2B
Total balance-sheet footings
FDIC Cert #22876 · Carthage, Missouri · Est. 1979
Southwest Missouri Bank - FDIC Bank Health Profile
A community-scale look at Southwest Missouri Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.2B
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 15.0%
- Tier 1 capital
Data updated July 2026
The verdict
Southwest Missouri Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.03% Tier 1, 0.97% ROA, 71% efficiency ratio.
- #880
- largest of 4,313 FDIC banks by assets
- 80th
- percentile by asset size, nationally
- 15.03%
- Tier 1 ratio - above the 10% well-capitalized line
- 40th
- 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 Southwest Missouri Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Southwest Missouri Bank's composite health score
Tier 1 Capital Ratio (15.03%) 40/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (1.33%) 20/20
Efficiency Ratio (70.60%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$625M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Southwest Missouri Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southwest Missouri Bank's score of 78/100 falls in the highlighted band.
Southwest Missouri 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). Southwest Missouri Bank's $1.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.03%
Texas Ratio
1.33%
Equity Capital
$83M
Profitability metrics
Return on Assets (ROA)
40th percentile nationally
0.97%
Return on Equity (ROE)
15.84%
Efficiency Ratio
70.60%
What the numbers say about Southwest Missouri Bank
Southwest Missouri Bank is an FDIC-insured institution (Certificate #22876) headquartered in Carthage, Missouri, established in 1979. It holds $1.2B in total assets - 880th of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $625M in net loans. On safety, its Tier 1 capital ratio of 15.03% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.33% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), 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.
Within Missouri, Southwest Missouri Bank ranks 28th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$57M
Interest Income
$12M
Non-Interest Income
$36M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Southwest Missouri Bank reports a Texas Ratio of 1.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.33% - 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) Southwest Missouri Bank (FDIC Cert #22876) - 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 Southwest Missouri Bank's health grade?▼
Southwest Missouri Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Southwest Missouri Bank?▼
Southwest Missouri Bank holds $1.2B in total assets and $1.1B in deposits, ranking 880th of 4,313 FDIC-insured banks by asset size. It is headquartered in Carthage, Missouri.
Is my money safe at Southwest Missouri Bank?▼
Yes, deposits at Southwest Missouri Bank (Certificate #22876) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Southwest Missouri Bank's Tier 1 Capital Ratio?▼
Southwest Missouri Bank has a Tier 1 Capital Ratio of 15.03%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Southwest Missouri Bank?▼
Southwest Missouri Bank has a Texas Ratio of 1.33%. 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 Southwest Missouri Bank?▼
Southwest Missouri Bank has an Efficiency Ratio of 70.60%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Southwest Missouri Bank's profile as a depositor or analyst.
- Southwest Missouri Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Southwest Missouri 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.