Northeast Missouri State Bank

600 South Baltimore
Kirksville, MO 63501

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13381
Date Established 1933
Assets $0.10 billion
Loans $0.05 billion
Deposits $0.09 billion
Capital $0.01 billion

Northeast Missouri State Bank is an FDIC insured institution located in Kirksville, MO. It was founded in 1933 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

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

Bank Loan Profile?

The top three loan types in Northeast Missouri State Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Consumer Auto Loans.

Compared to other banks in Missouri, Northeast Missouri State Bank has a significantly higher percent of Farm 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 22.28
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.60
Small Business Loans 0.00
Construction and Development Loans 0.21
Commercial Real Estate 5.30
Commercial and Industrial Loans 4.46
Farm Loans 16.13

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $1,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $500 - Learn MoreShow Less
6 Mo CD
1.00% $500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
24 Mo CD
1.51% $500 - Learn MoreShow Less
36 Mo CD
1.76% $500 - Learn MoreShow Less
48 Mo CD
2.01% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Northeast Missouri State Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Northeast Missouri State Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Northeast Missouri State Bank 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:
Seattle,Washington


Northeast Missouri State Bank Locations

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Financial Details

Northeast Missouri State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northeast Missouri State Bank. 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
Northeast Missouri State Bank U.S. Bank Average
0.34% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, Northeast Missouri State Bank had $52,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,556,000 in equity and $787,000 in loans loss reserves. That gives it a Texas Ratio of 0.34%.

Return on Equity
Northeast Missouri State Bank U.S. Bank Average
10.77% 9.95%

Northeast Missouri State Bank has a Return on Equity of 10.77% versus the BestCashCow average of 9.95%. 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
Northeast Missouri State Bank U.S. Bank Average
14.11% 12.19%

Northeast Missouri State Bank has a Capitalization of 14.11% versus the BestCashCow average of 12.19. 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.

Northeast Missouri State Bank Balance Sheet Analysis

As of September 30, 2018, Northeast Missouri State Bank had assets of $103,147,000, loans of $46,909,000, and deposits of $88,371,000. 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, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 95.03%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Northeast Missouri State Bank

Branches and Savings

Is Northeast Missouri State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13381.

Why does Northeast Missouri State Bank pay such low interest on savings accounts?

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

Why are Northeast Missouri State Bank CD rates not competitive?

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

Is Northeast Missouri State Bank a commercial bank?

Yes

Where are Northeast Missouri State Bank locations?

See branch locations nearby.

Is Northeast Missouri State Bank open on Saturdays?

Is Northeast Missouri State Bank open on Sundays?

What time does Northeast Missouri State Bank open?

What time does Northeast Missouri State Bank close?

Are Northeast Missouri State Bank ATMs Open 24/7?

Do Northeast Missouri State Bank ATMs accept cash deposits?

Can Northeast Missouri State Bank customers use other ATMs?

Do Northeast Missouri State Bank branches have notaries?

Will Northeast Missouri State Bank notarize my document?

What address for Northeast Missouri State Bank should I put for incoming ACH transfers?

Will the Northeast Missouri State Bank branch print checks?

Do Northeast Missouri State Bank checks expire?

Does Northeast Missouri State Bank require US citizenship to open account?

Can Northeast Missouri State Bank close my account?

Does Northeast Missouri State Bank Report to credit bureaus?

Does Northeast Missouri State Bank Use Equifax?

What is Northeast Missouri State Bank's ACH Routing Number?

What is Northeast Missouri State Bank's SWIFT code?

Products

Does Northeast Missouri State Bank offer mortgages?

Compare mortgage rates here.

Does Northeast Missouri State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Northeast Missouri State Bank offer personal loans?

Compare personal loan rates here.

Does Northeast Missouri State Bank offer student loans?

Will Northeast Missouri State Bank cash a check?

Will Northeast Missouri State Bank redeem a savings bond?

Does Northeast Missouri State Bank cash savings bonds?

Will Northeast Missouri State Bank cash money orders?

Can Northeast Missouri State Bank issue a money order?

Does Northeast Missouri State Bank do currency exchange?

Background on The Bank

Who owns Northeast Missouri State Bank?

How long has Northeast Missouri State Bank been around?

Can Northeast Missouri State Bank transfer to other banks?

Does Northeast Missouri State Bank have quick pay?

Does Northeast Missouri State Bank accept rolled coins?

Will Northeast Missouri State Bank accept loose change?

Where is Northeast Missouri State Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of Northeast Missouri State Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.