First Missouri State Bank of Cape County

Headquarters

2 South Mount Auburn Road
Cape Girardeau, MO 63703
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First Missouri State Bank of Cape County is an FDIC insured institution located in Cape Girardeau, MO. It was founded in 2006 and has approximately $0.18 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 58230
Date Established 2006
Assets $ 177.99 million
Loans $ 138.01 million
Deposits $ 155.21 million
Capital $ 16.65 million
 

For a more detailed analysis of First Missouri State Bank of Cape County's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 25, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - January 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Missouri State Bank of Cape County

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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2.480% 2.375% 1.00 $3,500 $972 Learn More
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Note to First Missouri State Bank of Cape County
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Branches

First Missouri State Bank of Cape County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Missouri State Bank of Cape County Locations


Financial Details

First Missouri State Bank of Cape County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Missouri State Bank of Cape County. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Missouri State Bank of Cape County U.S. Bank Average
5.43% 6.14%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2020, First Missouri State Bank of Cape County had $1,018,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,654,000 in equity and $2,100,000 in loans loss reserves. That gives it a Texas Ratio of 5.43%.

Return on Equity
First Missouri State Bank of Cape County U.S. Bank Average
15.36% 9.23%

First Missouri State Bank of Cape County has a Return on Equity of 15.36% versus the BestCashCow average of 9.23%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Missouri State Bank of Cape County U.S. Bank Average
9.36% 12.07%

First Missouri State Bank of Cape County has a Capitalization of 9.36% versus the BestCashCow average of 12.07. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Missouri State Bank of Cape County Balance Sheet Analysis

As of September 30, 2020, First Missouri State Bank of Cape County had assets of $177,986,000, loans of $138,005,000, and deposits of $155,205,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2020
ASSETS
Cash & Balances due from depository institutions $ 21.19 million
Interest-bearing balances $ 20.15 million
Total securities $ 9.91 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 138.01 million
Loan loss allowance $ 2.10 million
Trading account assets $ 0.21 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.78 million
     Total Assets $ 161.33 million
LIABILITIES
Total deposits $ 155.21 million
      Interest-bearing deposits $ 126.29 million
      Deposits held in domestic offices $ 155.21 million
      % insured (estimated) 84.27%
Federal funds purchased and repurchase agreements $ 1.44 million
Trading liabilities $ 0.21 million
Other borrowed funds $ 3.50 million
Subordinated debt N.A.
All other liabilities $ 0.97 million
      Total Liabilities $ 161.33 million
      Shareholders’ Equity $ 16.65 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.11 million
Total Interest Expense $ 1.42 million
Net interest income $ 3.69 million
Provision for loan and lease losses $ 0.23 million
Total non interest income $ 1.86 million
Total non interest expense $ 3.53 million
Pre-tax Net Operating Income $ 1.80 million

Bank Loan Profile?

The top three loan types in First Missouri State Bank of Cape County’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, First Missouri State Bank of Cape County has a significantly higher percent of Multifamily Mortgages, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.58
Multifamily
Mortgages
9.72
Credit Card Loans 0.00
Consumer Auto Loans 0.61
Small Business Loans 11.72
Construction and Development Loans 9.13
Commercial Real Estate 27.90
Commercial and Industrial Loans 17.22
Farm Loans 3.25

Frequently Asked Questions About First Missouri State Bank Of Cape County

Branches and Savings

Is First Missouri State Bank Of Cape County FDIC insured?

Yes. It is covered under FDIC Certificate #58230.

Why does First Missouri State Bank Of Cape County pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Missouri State Bank Of Cape County CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Missouri State Bank Of Cape County a commercial bank?

Yes

Where are First Missouri State Bank Of Cape County locations?

See branch locations nearby.

Is First Missouri State Bank Of Cape County open on Saturdays?

Is First Missouri State Bank Of Cape County open on Sundays?

What time does First Missouri State Bank Of Cape County open?

What time does First Missouri State Bank Of Cape County close?

Are First Missouri State Bank Of Cape County ATMs Open 24/7?

Do First Missouri State Bank Of Cape County ATMs accept cash deposits?

Can First Missouri State Bank Of Cape County customers use other ATMs?

Do First Missouri State Bank Of Cape County branches have notaries?

Will First Missouri State Bank Of Cape County notarize my document?

What address for First Missouri State Bank Of Cape County should I put for incoming ACH transfers?

Will the First Missouri State Bank Of Cape County branch print checks?

Do First Missouri State Bank Of Cape County checks expire?

Does First Missouri State Bank Of Cape County require US citizenship to open account?

Can First Missouri State Bank Of Cape County close my account?

Does First Missouri State Bank Of Cape County Report to credit bureaus?

Does First Missouri State Bank Of Cape County Use Equifax?

What is First Missouri State Bank Of Cape County's ACH Routing Number?

What is First Missouri State Bank Of Cape County's SWIFT code?

Products

Does First Missouri State Bank Of Cape County offer mortgages?

Compare mortgage rates here.

Does First Missouri State Bank Of Cape County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Missouri State Bank Of Cape County offer personal loans?

Compare personal loan rates here.

Does First Missouri State Bank Of Cape County offer student loans?

Will First Missouri State Bank Of Cape County cash a check?

Will First Missouri State Bank Of Cape County redeem a savings bond?

Does First Missouri State Bank Of Cape County cash savings bonds?

Will First Missouri State Bank Of Cape County cash money orders?

Can First Missouri State Bank Of Cape County issue a money order?

Does First Missouri State Bank Of Cape County do currency exchange?

Background on The Bank

Who owns First Missouri State Bank Of Cape County?

How long has First Missouri State Bank Of Cape County been around?

Can First Missouri State Bank Of Cape County transfer to other banks?

Does First Missouri State Bank Of Cape County have quick pay?

Does First Missouri State Bank Of Cape County accept rolled coins?

Will First Missouri State Bank Of Cape County accept loose change?

Where is First Missouri State Bank Of Cape County headquarters?

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