Bank · FDIC insured
Putnam County State Bank
Top CarrotA $317.6M bank headquartered in Unionville, MO, with 2 branches in Missouri. Best rates: CDs 4.70% and savings 2.00% APY.
Putnam County State Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#16 of 160 in MissouriHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Putnam County State Bank
Putnam County State Bank is a locally owned community bank founded in Unionville, Missouri, in 1979.
Established to serve Putnam County and surrounding areas, the bank expanded in 1992 by opening a branch in Milan, Missouri.
- Headquarters
- 1522 Main St, Unionville, MO 63565
- FDIC certificate
- 22895 ↗
Branches
2 branches in Missouri
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Missouri
2 branches
Unionville area · 1
- Putnam County State BankMain office1522 Main St, Unionville, MO 63565Directions
Milan area · 1
- Milan Branch420 N Pearl St, Milan, MO 63556Directions
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 | 13.52% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.62% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.75% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $86 | $81 | — |
- CapitalLeverage ratio13.52%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.62%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.75%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$86Peers’ 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 Putnam County State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.