Four States Bank
Carthage, MO
IDRSSD: 5903517
Total Assets
$80.71M
Latest filing
Total Deposits
$58.33M
Latest filing
Net Interest Margin
4.55%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Four States Bank
213 Lyon St
Carthage, MO 64836
Limited Service - Administrative
Updated 11/14/2025Established 08/26/2024FDIC Certificate 661079
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Four States Bank (Main) | 213 Lyon St | Carthage, MO |
| GARRISON BRANCH | 1946 S Garrison Ave | Carthage, MO |
| RANGE LINE BRANCH | 1232 S Range Line Rd | Joplin, MO |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/26/2024 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64836 |
| State and County Number | 29097 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Joplin, MO |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/24/2024 |
| Date of Deposit Insurance | 08/26/2024 |
| Primary Insurance Agency | DIF |
| Website | www.4sb.com |
| Data Updated | 11/14/2025 |
| CERT | 59352 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $80.71M |
| Total Deposits | $58.33M |
| Total Liabilities | $59.16M |
| Total Equity Capital | $21.55M |
| Net Income | $-130,000 |
| Net Loans and Leases | $56.10M |
| Assets Per Employee ($Millions) | $3.67M |
| Bank Premises and Fixed Assets | $2.38M |
| Cash and Balances due from Depository Institutions | $21.69M |
| Deposits Held in Domestic Offices | $58.33M |
Key Performance Ratios
| Return on Assets (ROA) | -0.68% |
| Return on Equity (ROE) | -2.41% |
| Net Interest Margin | 4.55% |
| Efficiency Ratio | 98.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.76% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 26.706% |
| Earning Assets to total Assets | 95.05% |
Income and Expense
| Total Interest Income | $1.37M |
| Total Noninterest Income | $144.00k |
| Total Interest Expense | $543.00k |
| Total Noninterest Expense | $953.00k |
| Net Interest Income | $825.00k |
| Pre-tax Net Operating Income | $-130,000 |
| Provision for Credit Losses | $146.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $827.00k |
| Total Liabilities and Capital | $80.71M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Four States Bank?
$80.71M as of the latest filing.
How much are Four States Bank's total deposits?
$58.33M in total deposits.
Where is Four States Bank located?
Carthage, MO.
What is the Net Interest Margin?
4.55%.
How many domestic offices does it operate?
3.
When was it established?
08/26/2024.
What is the Return on Assets (ROA)?
-0.68%.
How much are total loans and leases?
$56.10M (latest filing).
What is the total interest income (latest filing)?
$1.37M.