Senath State Bank

117 East Commercial Street
Senath, MO 63876


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15101
Date Established 1935
Assets $0.08 billion
Loans $0.04 billion
Deposits $0.07 billion
Capital $0.01 billion

Senath State Bank is an FDIC insured institution located in Senath, MO. It was founded in 1935 and has approximately $0.08 billion in assets. Customers can open an account at one of its 3 branches.

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

Deposit Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $9,999 Learn MoreShow Less
Money Market
0.60% $10,000 $24,999 Learn MoreShow Less
Money Market
0.65% $25,000 $49,999 Learn MoreShow Less
0.80% $1,000 $24,999 Learn MoreShow Less
3 Mo CD
0.80% $50,000 - Learn MoreShow Less
1.51% $1,000 $24,999 Learn MoreShow Less
6 Mo CD
1.51% $50,000 - Learn MoreShow Less
1.87% $1,000 $24,999 Learn MoreShow Less
12 Mo CD
1.87% $50,000 - Learn MoreShow Less
1.97% $1,000 $24,999 Learn MoreShow Less
18 Mo CD
1.97% $50,000 - Learn MoreShow Less
2.22% $1,000 $24,999 Learn MoreShow Less
24 Mo CD
2.22% $50,000 - Learn MoreShow Less
2.27% $1,000 $24,999 Learn MoreShow Less
2.32% $1,000 $24,999 Learn MoreShow Less
36 Mo CD
2.32% $50,000 - Learn MoreShow Less
2.37% $1,000 $24,999 Learn MoreShow Less
48 Mo CD
2.37% $50,000 - Learn MoreShow Less
2.43% $1,000 $24,999 Learn MoreShow Less
60 Mo CD
2.43% $50,000 - Learn MoreShow Less

1.87% $1,000 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Senath State Bank

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

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


Senath 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:

Senath State Bank Locations

Financial Details

Senath State Bank Ratio Analysis

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

Texas Ratio
Senath State Bank U.S. Bank Average
23.96% 6.94%

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 March 31, 2019, Senath State Bank had $2,895,000 in non-current loans and $104,000 in owned real estate. To cover these potential losses it had $11,744,000 in equity and $775,000 in loans loss reserves. That gives it a Texas Ratio of 23.96%.

Return on Equity
Senath State Bank U.S. Bank Average
14.04% 9.47%

Senath State Bank has a Return on Equity of 14.04% versus the BestCashCow average of 9.47%. 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.

Senath State Bank U.S. Bank Average
14.19% 12.49%

Senath State Bank has a Capitalization of 14.19% versus the BestCashCow average of 12.49. 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.

Senath State Bank Balance Sheet Analysis

As of March 31, 2019, Senath State Bank had assets of $82,789,000, loans of $44,581,000, and deposits of $70,952,000. 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

March 31, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 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 $0.07 billion
Total deposits $0.07 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 82.22%
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 $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

The top three loan types in Senath State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Missouri, Senath State Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.18
Credit Card Loans 0.00
Consumer Auto Loans 9.22
Small Business Loans 0.62
Construction and Development Loans 1.22
Commercial Real Estate 0.62
Commercial and Industrial Loans 10.83
Farm Loans 2.66

Frequently Asked Questions About Senath State Bank

Branches and Savings

Is Senath State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15101.

Why does Senath 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 Senath State Bank CD rates not competitive?

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

Is Senath State Bank a commercial bank?


Where are Senath State Bank locations?

See branch locations nearby.

Is Senath State Bank open on Saturdays?

Is Senath State Bank open on Sundays?

What time does Senath State Bank open?

What time does Senath State Bank close?

Are Senath State Bank ATMs Open 24/7?

Do Senath State Bank ATMs accept cash deposits?

Can Senath State Bank customers use other ATMs?

Do Senath State Bank branches have notaries?

Will Senath State Bank notarize my document?

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

Will the Senath State Bank branch print checks?

Do Senath State Bank checks expire?

Does Senath State Bank require US citizenship to open account?

Can Senath State Bank close my account?

Does Senath State Bank Report to credit bureaus?

Does Senath State Bank Use Equifax?

What is Senath State Bank's ACH Routing Number?

What is Senath State Bank's SWIFT code?


Does Senath State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Senath State Bank offer personal loans?

Compare personal loan rates here.

Does Senath State Bank offer student loans?

Will Senath State Bank cash a check?

Will Senath State Bank redeem a savings bond?

Does Senath State Bank cash savings bonds?

Will Senath State Bank cash money orders?

Can Senath State Bank issue a money order?

Does Senath State Bank do currency exchange?

Background on The Bank

Who owns Senath State Bank?

How long has Senath State Bank been around?

Can Senath State Bank transfer to other banks?

Does Senath State Bank have quick pay?

Does Senath State Bank accept rolled coins?

Will Senath State Bank accept loose change?

Where is Senath State Bank headquarters?

Customer Reviews for Senath State Bank

There are currently no comments for Senath State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →