First State Bank of Purdy
Purdy, Missouri · FDIC Cert #16162
First State Bank of Purdy is an FDIC-insured bank (Certificate #16162) with $229M in total assets and $206M in total deposits as of the Q2 2024 Call Report. Headquartered in Purdy, Missouri, the bank maintains a Tier 1 capital ratio of 11.56% (Well-Capitalized) and a nonperforming loan ratio of 1.28%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First State Bank of Purdy (FDIC cert 16162) is a community bank — $229M in total assets, $206M in deposits, serving the Purdy, Missouri area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.56% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.28% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 30.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.49% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. First State Bank of Purdy carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First State Bank of Purdy
- Total Assets
- $229M
- Total Deposits
- $206M
- Tier 1 Capital Ratio
- 11.56%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.28%
- Liquidity Ratio
- 30.60%
- Return on Assets
- 1.49%
- Headquarters
- Purdy, Missouri
- FDIC Certificate
- #16162
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First State Bank of Purdy holds a Tier 1 capital ratio of 11.56%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First State Bank of Purdy has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First State Bank of Purdy shows strong financial health indicators. With $229M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First State Bank of Purdy Compares
First State Bank of Purdy’s Health Score of 81 is 14 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 11.56% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 1.28% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.49% is in line with or above the national ROA benchmark of ~1.1%. Among 1544 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First State Bank of Purdy is 11 points above the portfolio average of 70.
Frequently Asked Questions
First State Bank of Purdy has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 11.56%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First State Bank of Purdy's Tier 1 capital ratio of 11.56% and nonperforming loan ratio of 1.28% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First State Bank of Purdy is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16162). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First State Bank of Purdy holds $229M in total assets and $206M in total deposits. It is headquartered in Purdy, Missouri (FDIC Certificate #16162).
First State Bank of Purdy has a Tier 1 capital ratio of 11.56%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.28%, and the return on assets is 1.49%.
Yes. First State Bank of Purdy is FDIC-insured (Certificate #16162). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First State Bank of Purdy's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.