St. Clair County State Bank
Osceola, MO
IDRSSD: 692450
Total Assets
$215.96M
Latest filing
Total Deposits
$185.18M
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
St. Clair County State Bank
680 2nd St
Osceola, MO 64776
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1896FDIC Certificate 7052
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| St. Clair County State Bank (Main) | 680 2nd St | Osceola, MO |
| OSCEOLA DRIVE-THRU BRANCH | 710 Chestnut Street | Osceola, MO |
| APPLETON CITY BRANCH | 118 East Fourth Street | Appleton, MO |
| LOWRY CITY BRANCH | 404 E 3rd St | Lowry City, MO |
Showing 3 of 3
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 | 05/01/1896 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 64776 |
| State and County Number | 29185 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| 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 | N/A |
Operational Info
| Number of Employees | 30 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/12/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.sccsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 11002 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $215.96M |
| Total Deposits | $185.18M |
| Total Liabilities | $186.28M |
| Total Equity Capital | $29.68M |
| Net Income | $994.00k |
| Net Loans and Leases | $157.67M |
| Assets Per Employee ($Millions) | $6.97M |
| Bank Premises and Fixed Assets | $5.27M |
| Cash and Balances due from Depository Institutions | $18.72M |
| Deposits Held in Domestic Offices | $185.18M |
Key Performance Ratios
| Return on Assets (ROA) | 1.85% |
| Return on Equity (ROE) | 13.53% |
| Net Interest Margin | 4.39% |
| Efficiency Ratio | 41.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.745% |
| Earning Assets to total Assets | 93.91% |
Income and Expense
| Total Interest Income | $3.24M |
| Total Noninterest Income | $131.00k |
| Total Interest Expense | $1.02M |
| Total Noninterest Expense | $981.00k |
| Net Interest Income | $2.22M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $75.00k |
| 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 | $4.89M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.10M |
| Total Liabilities and Capital | $215.96M |
Securities
| Securities | $25.89M |
| Available-for-sale debt securities | $6.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $19.86M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of St. Clair County State Bank?
$215.96M as of the latest filing.
How much are St. Clair County State Bank's total deposits?
$185.18M in total deposits.
Where is St. Clair County State Bank located?
Osceola, MO.
What is the Net Interest Margin?
4.39%.
How many domestic offices does it operate?
4.
When was it established?
05/01/1896.
What is the Return on Assets (ROA)?
1.85%.
How much are total loans and leases?
$157.67M (latest filing).
What is the total interest income (latest filing)?
$3.24M.