Senath State Bank
Senath, MO
IDRSSD: 203052
Total Assets
$105.59M
Latest filing
Total Deposits
$89.76M
Latest filing
Net Interest Margin
4.39%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Senath State Bank
117 E Commercial St
Senath, MO 63876
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1935FDIC Certificate 9478
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Senath State Bank (Main) | 117 E Commercial St | Senath, MO |
| DRIVE-IN BRANCH | 202 Ne Frisco St | Arbyrd, MO |
| KENNETT BRANCH | 1112 1st St | Kennett, 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 | 01/01/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63876 |
| State and County Number | 29069 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| 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 | Kennett, MO |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/24/1935 |
| Primary Insurance Agency | DIF |
| Website | www.senathstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 15101 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $105.59M |
| Total Deposits | $89.76M |
| Total Liabilities | $89.83M |
| Total Equity Capital | $15.75M |
| Net Income | $492.00k |
| Net Loans and Leases | $53.39M |
| Assets Per Employee ($Millions) | $6.6M |
| Bank Premises and Fixed Assets | $335.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $89.76M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 12.71% |
| Net Interest Margin | 4.39% |
| Efficiency Ratio | 58.27% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.919% |
| Earning Assets to total Assets | 94.49% |
Income and Expense
| Total Interest Income | $1.33M |
| Total Noninterest Income | $133.00k |
| Total Interest Expense | $287.00k |
| Total Noninterest Expense | $687.00k |
| Net Interest Income | $1.05M |
| Pre-tax Net Operating Income | $492.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.77M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $73.00k |
| Total Liabilities and Capital | $105.59M |
Securities
| Securities | $16.43M |
| Available-for-sale debt securities | $16.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $135.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Senath State Bank?
$105.59M as of the latest filing.
How much are Senath State Bank's total deposits?
$89.76M in total deposits.
Where is Senath State Bank located?
Senath, MO.
What is the Net Interest Margin?
4.39%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1935.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$53.39M (latest filing).
What is the total interest income (latest filing)?
$1.33M.