Bank · FDIC insured
Southwest Missouri Bank
A $1.2B bank headquartered in Carthage, MO, with 11 branches in Missouri. Best rates: CDs 4.25% and savings 0.25% APY.
Southwest Missouri Bank Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#7 of 15 in Joplin, MO-KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Southwest Missouri Bank
Founded in 1979, Southwest Missouri Bank is a locally owned community bank in southwest Missouri.
The bank began in Carthage, Missouri, when Garry Denney and seven other founders opened the first branch in June 1979.
It has expanded across Joplin, Neosho, Jasper, and Oronogo, operating 11 full-service branches, a Home Loan Center, and over 40 ATMs.
- Headquarters
- 300 W 3rd St, Carthage, MO 64836
- FDIC certificate
- 22876 ↗
Branches
11 branches in Missouri
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Missouri
11 branches
- Southwest Missouri BankMain office300 W 3rd St, Carthage, MO 64836Directions
- Carthage South2417 Grand Ave, Carthage, MO 64836Directions
- Jasper Branch101 E Grand Ave, Jasper, MO 64755Directions
- 32nd Street1000 E 32nd St, Joplin, MO 64804Directions
- Duquesne Branch4000 E 7th St, Joplin, MO 64801Directions
- Mcclelland Branch3202 Mc Clelland Blvd, Joplin, MO 64804Directions
- Stone'S Corner5935 N Main St, Joplin, MO 64801Directions
- Zora2530 N Range Line Rd, Joplin, MO 64801Directions
- Neosho North110 N Neosho Blvd, Neosho, MO 64850Directions
- Neosho South2995 Gardner Edgewood Dr, Neosho, MO 64850Directions
- Oronogo Branch855 North Highway D, Oronogo, MO 64855Directions
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 | 8.73% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.25% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.03% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $61 | $88 | — |
- CapitalLeverage ratio8.73%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.25%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.03%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$61Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 Southwest Missouri Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.