🏦Bank Scorer

SOUTHERN MISSOURI BANK & TRUST CO.

POPLAR BLUFF, MO · Supervised by FDIC

Est. 1887FDIC #28,332RSSD: FDIC-28332
Part ofSOUTHERN MISSOURI BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2008

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.44%

Institution Profile

FDIC BankFind

Address

2991 Oak Grove Rd, POPLAR BLUFF, MO

County

Butler County

Established

January 1, 1887

Total Assets

$5.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 5, 2008

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 17 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.1B

Total Deposits

$4.4B

Net Loans

$4.3B

Net Income

$18M

ROA

1.44%

ROE

13.80%

Risk-Based Capital

13.23%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

66

Branch Deposits

$4.3B

1-Year Change

-1

5-year net change: +15 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2001

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/e9a7c224-02f5-495d-9a9d-cca7fa1d89b9"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: