Southwest Missouri Bank

300 West Third Street
Carthage, MO 64836

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.55% 2.25% →
2-Year CD 0.75% 2.30% →
5-Year CD 1.25% 2.60% →
30-Year Mortgage 3.70% 3.31% →
15-Year Mortgage 3.32% 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Southwest Missouri Bank is an FDIC insured institution located in Carthage, MO. It was founded in 1979 and has approximately $0.75 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 22876
Date Established 1979
Assets $0.75 billion
Loans $0.44 billion
Deposits $0.64 billion
Capital $0.07 billion
 

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

Deposit Rates - January 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
6 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
0.55% $500 - Learn MoreShow Less
Special: 15 Mo CD
1.55% $500 - Learn MoreShow Less
18 Mo CD
0.55% $500 - Learn MoreShow Less
24 Mo CD
0.75% $500 - Learn MoreShow Less
30 Mo CD
0.75% $500 - Learn MoreShow Less
36 Mo CD
0.95% $500 - Learn MoreShow Less
48 Mo CD
1.10% $500 - Learn MoreShow Less
60 Mo CD
1.25% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.55% $500 - Learn MoreShow Less
Special: 15 Mo FIRA
1.55% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $750 - Learn MoreShow Less

Loan Rates - January 28, 2020

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Southwest Missouri 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:
Ashburn,Virginia


Southwest Missouri Bank Locations


Financial Details

Southwest Missouri Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southwest Missouri 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
Southwest Missouri Bank U.S. Bank Average
1.55% 6.70%

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, 2019, Southwest Missouri Bank had $1,006,000 in non-current loans and $173,000 in owned real estate. To cover these potential losses it had $71,729,000 in equity and $4,238,000 in loans loss reserves. That gives it a Texas Ratio of 1.55%.

Return on Equity
Southwest Missouri Bank U.S. Bank Average
9.99% 9.72%

Southwest Missouri Bank has a Return on Equity of 9.99% versus the BestCashCow average of 9.72%. 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
Southwest Missouri Bank U.S. Bank Average
9.59% 12.89%

Southwest Missouri Bank has a Capitalization of 9.59% versus the BestCashCow average of 12.89. 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.

Southwest Missouri Bank Balance Sheet Analysis

As of September 30, 2019, Southwest Missouri Bank had assets of $748,112,000, loans of $439,954,000, and deposits of $638,140,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.01 billion
Total securities $0.23 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.44 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 $0.03 billion
     Total Assets $0.68 billion
LIABILITIES
Total deposits $0.64 billion
      Interest-bearing deposits $0.59 billion
      Deposits held in domestic offices $0.64 billion
      % insured (estimated) 84.48%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $0.68 billion
      Shareholders’ Equity $0.07 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

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

Compared to other banks in Missouri, Southwest Missouri Bank has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 41.57
Multifamily
Mortgages
2.00
Credit Card Loans 0.37
Consumer Auto Loans 6.89
Small Business Loans 0.00
Construction and Development Loans 3.52
Commercial Real Estate 15.55
Commercial and Industrial Loans 14.16
Farm Loans 2.35

Frequently Asked Questions About Southwest Missouri Bank

Branches and Savings

Is Southwest Missouri Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22876.

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

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

Why are Southwest Missouri Bank CD rates not competitive?

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

Is Southwest Missouri Bank a commercial bank?

Yes

Where are Southwest Missouri Bank locations?

See branch locations nearby.

Is Southwest Missouri Bank open on Saturdays?

Is Southwest Missouri Bank open on Sundays?

What time does Southwest Missouri Bank open?

What time does Southwest Missouri Bank close?

Are Southwest Missouri Bank ATMs Open 24/7?

Do Southwest Missouri Bank ATMs accept cash deposits?

Can Southwest Missouri Bank customers use other ATMs?

Do Southwest Missouri Bank branches have notaries?

Will Southwest Missouri Bank notarize my document?

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

Will the Southwest Missouri Bank branch print checks?

Do Southwest Missouri Bank checks expire?

Does Southwest Missouri Bank require US citizenship to open account?

Can Southwest Missouri Bank close my account?

Does Southwest Missouri Bank Report to credit bureaus?

Does Southwest Missouri Bank Use Equifax?

What is Southwest Missouri Bank's ACH Routing Number?

What is Southwest Missouri Bank's SWIFT code?

Products

Does Southwest Missouri Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Southwest Missouri Bank offer personal loans?

Compare personal loan rates here.

Does Southwest Missouri Bank offer student loans?

Will Southwest Missouri Bank cash a check?

Will Southwest Missouri Bank redeem a savings bond?

Does Southwest Missouri Bank cash savings bonds?

Will Southwest Missouri Bank cash money orders?

Can Southwest Missouri Bank issue a money order?

Does Southwest Missouri Bank do currency exchange?

Background on The Bank

Who owns Southwest Missouri Bank?

How long has Southwest Missouri Bank been around?

Can Southwest Missouri Bank transfer to other banks?

Does Southwest Missouri Bank have quick pay?

Does Southwest Missouri Bank accept rolled coins?

Will Southwest Missouri Bank accept loose change?

Where is Southwest Missouri Bank headquarters?

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