Institution Profile
Address: 1615 Cherokee Ave Seneca, MO 64865
Website:
FDIC Profile:
Established:
3/15/1996
Branches:
5
Branches by Region
MO 5
Financial Overview
Total Assets
$482.99M
Total Deposits
$410.76M
Total Loans
$413.30M
Equity Capital
$46.51M
Employees
52
Allowance for Loan Losses
$5.30M
Performance Ratios
Net Worth Ratio
9.63%
Loan-to-Deposit Ratio
100.62%
Coverage Ratio
1.28% Allowance / Total Loans
Net Income
$5.71M
Return on Assets (ROA)
1.20%
Return on Equity (ROE)
13.03%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +95.13% Total Deposits: +96.76% Total Loans: +109.35% since 2020 Q1
Employee Growth
Employee Growth
Employees: +67.74% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Commercial Real Estate
$151.11M 36.6%
1-4 Family Residential
$127.74M 30.9%
Construction
$68.05M 16.5%
Commercial & Industrial
$32.24M 7.8%
Multifamily
$21.62M 5.2%
Farmland
$5.04M 1.2%
Auto Loans
$4.29M 1.0%
Other Consumer
$3.10M 0.7%
Agricultural
$100,000 0.0%
Portfolio Distribution
SBA 7(a) Loan Originations
Quarterly SBA origination activity and guaranteed exposure
SBA 7(a) Originations vs Cancellations per Quarter
SBA 7(a) Approved vs Guaranteed vs Cancelled Dollars
Net Income Trend
Net Income Trend
Net Income: +519.87% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $482.99M | $410.76M | $413.30M | $5.71M | 52 |
| 2025 Q3 | $459.08M | $408.74M | $396.20M | $4.39M | 53 |
| 2025 Q2 | $477.61M | $429.56M | $404.97M | $2.84M | 51 |
| 2025 Q1 | $479.46M | $422.50M | $403.35M | $1.39M | 47 |
| 2024 Q4 | $474.48M | $416.85M | $401.17M | $4.92M | 47 |
| 2024 Q3 | $474.41M | $415.80M | $394.95M | $3.52M | 49 |
| 2024 Q2 | $464.48M | $407.88M | $389.04M | $2.40M | 45 |
| 2024 Q1 | $450.42M | $384.95M | $359.49M | $1.57M | 48 |
| 2023 Q4 | $427.84M | $362.39M | $348.82M | $6.73M | 49 |
| 2023 Q3 | $408.56M | $344.94M | $337.93M | $5.21M | 46 |
| 2023 Q2 | $412.42M | $353.83M | $331.71M | $3.41M | 44 |
| 2023 Q1 | $406.65M | $351.13M | $326.47M | $1.57M | 43 |
| 2022 Q4 | $384.04M | $326.64M | $310.64M | $5.69M | 44 |
| 2022 Q3 | $364.52M | $328.96M | $281.81M | $4.16M | 44 |
| 2022 Q2 | $379.08M | $343.42M | $267.26M | $2.44M | 40 |
| 2022 Q1 | $363.01M | $326.65M | $260.77M | $916,000 | 39 |
| 2021 Q4 | $340.72M | $301.88M | $241.83M | $4.67M | 35 |
| 2021 Q3 | $350.57M | $311.21M | $247.14M | $3.46M | 35 |
| 2021 Q2 | $338.38M | $298.58M | $246.01M | $2.18M | 37 |
| 2021 Q1 | $304.04M | $265.38M | $232.69M | $1.18M | 36 |
| 2020 Q4 | $274.45M | $235.72M | $226.36M | $3.93M | 37 |
| 2020 Q3 | $269.73M | $231.01M | $223.60M | $2.60M | 36 |
| 2020 Q2 | $266.71M | $217.24M | $215.36M | $1.62M | 38 |
| 2020 Q1 | $247.52M | $208.76M | $197.42M | $921,000 | 31 |