St. Clair County State Bank is a bank based in Osceola, Missouri, established in 1896, with $227 million in total assets across 4 branches. By Trust Grade it ranks 8th of 195 banks we track in Missouri. Its capital ratio of 13.3% is stronger than 83% of similarly sized banks, versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.77% return on assets. No consumer complaints against St. Clair County State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How St. Clair County State Bank compares to Missouri peers
How we graded St. Clair County State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.3% capital ratio)
- Strongly profitable (ROA 1.77%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for St. Clair County State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 710 Chestnut Street, Osceola, MO 64776
- 118 East Fourth Street, Appleton, MO 64724
- 404 E 3rd St, Lowry City, MO 64763
- 680 2nd St, Osceola, MO 64776
Are deposits at St. Clair County State Bank insured?
Yes. St. Clair County State Bank is an FDIC-insured bank (FDIC certificate #11002). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
St. Clair County State Bank: frequently asked questions
Is St. Clair County State Bank a good bank?
St. Clair County State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.3% capital ratio); Strongly profitable (ROA 1.77%).
Is St. Clair County State Bank FDIC-insured?
Yes. St. Clair County State Bank is a FDIC-insured bank (FDIC certificate #11002). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is St. Clair County State Bank?
St. Clair County State Bank holds $227 million in total assets, ranking 8th of 195 banks we track in Missouri. It operates 4 branches.
Does St. Clair County State Bank have CFPB complaints?
No CFPB complaints against St. Clair County State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
