$116M
+88.4%y/y
Percentile by value80th percentileby value
FDIC
ASSETFS
Four States Bank
Carthage, MissouriFDIC Cert #59352
STATEEstablished 20245 branches
Holding company: FOUR STATES BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFour States Bank reported $116M in total assets. Deposits grew 137.06% over the prior year.
Return on assets was 0.01%, compared with the official FFIEC UBPR peer median of −1.09%. The leverage ratio was 20.53%.
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$92.7M
+137.1%y/y
Percentile by value80th percentileby value
FDIC
DEP$85.3M
+147.2%y/y
Percentile by value80th percentileby value
FDIC
LNLSNET0.01%
+126 bpsy/y
Peer standing60th percentile
FDIC
NETINC + ROA86.53%
−1,802 bpsy/y
Peer standing80th percentile
FDIC
NONIX + NIM + NONII + EEFFR20.53%
−2,013 bpsy/y
Peer standing20th percentile
FDIC
RBC1AAJPercentiles compare this bank with 6 ffiec ubpr peer group 2024 — denovo banks opened in 2024 having assets less than $750 million.
Side-by-side comparison
Four States Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.01%
Registry median
−1.09%
This bank
0.04%
FFIEC trimmed average
−6.99%
This bank
4.07%
Registry median
4.10%
This bank
86.53%
Registry median
126.67%
This bank
+137.06%
FFIEC trimmed average
+290.00%
This bank
+147.21%
FFIEC trimmed average
+315.07%
This bank
0.00%
FFIEC trimmed average
0.00%
This bank
20.53%
FFIEC trimmed average
27.14%
This bank
3.19%
Registry median
2.82%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.01%
Registry median
1.39%
This bank
0.04%
FFIEC trimmed average
14.59%
This bank
4.07%
Registry median
4.05%
This bank
86.53%
Registry median
58.72%
This bank
+137.06%
FFIEC trimmed average
+5.27%
This bank
+147.21%
FFIEC trimmed average
+7.61%
This bank
0.00%
FFIEC trimmed average
0.63%
This bank
20.53%
FFIEC trimmed average
10.80%
This bank
3.19%
Registry median
2.44%
This bank
Registry median
153%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q3 2024 | $25.1M | $2.24M |
| Q4 2024 | $52.2M | $29.3M |
| Q1 2025 | $61.8M | $39.1M |
| Q2 2025 | $72.5M | $50.2M |
| Q3 2025 | $80.7M | $58.3M |
| Q4 2025 | $95.3M | $71.5M |
| Q1 2026 | $116M | $92.7M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $23.9M |
| Investor CRE | $13.2M |
| Multifamily | $9.3M |
| Construction | $7.79M |
| 1–4 family | $13M |
| C&I | $14.1M |
| Agriculture | $4.81M |
| Other | $148K |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.01%60th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −7.18%Median −1.09%90th 0.47%Observations 6
ROE
FDIC
NETINC + ROE0.04%57th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −19.86%Median −3.72%90th 2.61%Observations 6
NIM
FDIC
NIM + NIMY4.07%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.57%Median 4.10%90th 4.92%Observations 6
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.53%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 81.76%Median 126.67%90th 285.91%Observations 6
Deposits YoY
FDIC
DEP+137.06%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +47.99%Median +156.32%90th +665.69%Observations 6
Loans YoY
FDIC
LNLSNET+147.21%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +99.64%Median +280.88%90th +574.58%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%85th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.00%90th 0.27%Observations 6
Leverage
FDIC
RBC1AAJ20.53%28th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 16.96%Median 27.16%90th 37.31%Observations 6
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%20th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.42%Median 2.82%90th 3.44%Observations 6
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.01%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.73%Median 1.39%90th 2.35%Observations 191
ROE
FDIC
NETINC + ROE0.04%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.96%Median 14.03%90th 23.57%Observations 191
NIM
FDIC
NIM + NIMY4.07%51st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.90%Observations 191
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR86.53%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.85%Median 58.72%90th 75.42%Observations 191
Deposits YoY
FDIC
DEP+137.06%99th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.20%Median +4.02%90th +13.71%Observations 191
Loans YoY
FDIC
LNLSNET+147.21%99th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.53%Median +6.56%90th +19.45%Observations 189
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%12th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.31%Observations 189
Leverage
FDIC
RBC1AAJ20.53%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.22%Median 10.54%90th 14.54%Observations 191
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.44%90th 3.40%Observations 191
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 36%Median 153%90th 324%Observations 103
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- Carthage, MO
FDIC
OFFDOMOpen the Missouri dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data