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Senath State Bank

Senath, MO · Est. 1935 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Senath State Bank is a bank based in Senath, Missouri, established in 1935, with $102 million in total assets across 3 branches. By Trust Grade it ranks 33rd of 195 banks we track in Missouri. Its capital ratio of 15.0% is stronger than 89% of similarly sized banks, versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.93% return on assets. No consumer complaints against Senath State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$101.9M
$100M–1B institution
Deposits
$86.5M
Branches
3
Capital ratio
15.0%
Top 11% of $100M–1B peers · Missouri median 10.3%
Return on assets
1.9%
Top 14% of $100M–1B peers · Missouri median 1.38%
Rank in Missouri
#33
of 195 banks

How Senath State Bank compares to Missouri peers

Capital ratio
Top 11% of $100M–1B peers
Senath State
15.0%
Missouri median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 14% of $100M–1B peers
Senath State
1.9%
Missouri median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Senath State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (15.0% capital ratio)
  • Strongly profitable (ROA 1.93%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Senath State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 202 Ne Frisco St, Arbyrd, MO 63821
  • 1112 1st St, Kennett, MO 63857
  • 117 E Commercial St, Senath, MO 63876

Are deposits at Senath State Bank insured?

Yes. Senath State Bank is an FDIC-insured bank (FDIC certificate #15101). 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.

Senath State Bank: frequently asked questions

Is Senath State Bank a good bank?

Senath 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 (15.0% capital ratio); Strongly profitable (ROA 1.93%).

Is Senath State Bank FDIC-insured?

Yes. Senath State Bank is a FDIC-insured bank (FDIC certificate #15101). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Senath State Bank?

Senath State Bank holds $102 million in total assets, ranking 33rd of 195 banks we track in Missouri. It operates 3 branches.

Does Senath State Bank have CFPB complaints?

No CFPB complaints against Senath State Bank appear in our data over the analysis window, which is typical for a bank of this size.

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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.

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