Bank · FDIC insured
Four States Bank
A $142.1M bank headquartered in Carthage, MO, with 3 branches in Missouri. Best rates: CDs 4.31% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.31%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Four States Bank
Based in Carthage, Missouri, Four States Bank is the state's first new charter bank in 16 years.
The bank operates as a wholly-owned subsidiary of Four States Bancshares, Inc.
Designated an SBA Preferred Lender, it focuses on serving small and medium-sized businesses, farmers, and residents across the four-state region.
- Headquarters
- 213 Lyon St, Carthage, MO 64836
- FDIC certificate
- 59352 ↗
Branches
3 branches in Missouri
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Missouri
3 branches
Carthage area · 1
- Garrison Branch1946 S Garrison Ave, Carthage, MO 64836Directions
Joplin area · 1
- Range Line Branch1232 S Range Line Rd, Joplin, MO 64801Directions
Springfield area · 1
- Springfield S Glenstone Branch2045 S Glenstone Ave, Springfield, MO 65804Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.85% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.03% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio15.85%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.03%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Four States Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.