Sherwood Community Bank
Creighton, Missouri · FDIC Cert #1612
Sherwood Community Bank is an FDIC-insured bank (Certificate #1612) with $78M in total assets and $63M in total deposits as of the Q2 2024 Call Report. Headquartered in Creighton, Missouri, the bank maintains a Tier 1 capital ratio of 11.52% (Well-Capitalized) and a nonperforming loan ratio of 1.19%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sherwood Community Bank (FDIC cert 1612) is a community bank — $78M in total assets, $63M in deposits, serving the Creighton, 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 11.52% 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 1.19% 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: 32.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.33% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Sherwood Community Bank carries a composite BankHealth grade of B (77/100) 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: Sherwood Community Bank
- Total Assets
- $78M
- Total Deposits
- $63M
- Tier 1 Capital Ratio
- 11.52%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.19%
- Liquidity Ratio
- 32.49%
- Return on Assets
- 0.33%
- Headquarters
- Creighton, Missouri
- FDIC Certificate
- #1612
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sherwood Community Bank holds a Tier 1 capital ratio of 11.52%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sherwood Community Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sherwood Community Bank shows strong financial health indicators. With $78M in assets and a Health Score of 77/100, 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 Sherwood Community Bank Compares
Sherwood Community Bank’s Health Score of 77 is 10 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 11.52% Tier 1 capital ratio is 2.5 points below the US banking industry average near 14%. The 1.19% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.33% is below the national ROA benchmark of ~1.1%. Among 892 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Sherwood Community Bank is 7 points above the portfolio average of 70.
Frequently Asked Questions
Sherwood Community Bank has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.52%, 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. Sherwood Community Bank's Tier 1 capital ratio of 11.52% and nonperforming loan ratio of 1.19% 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 Sherwood Community Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1612). 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.
Sherwood Community Bank holds $78M in total assets and $63M in total deposits. It is headquartered in Creighton, Missouri (FDIC Certificate #1612).
Sherwood Community Bank has a Tier 1 capital ratio of 11.52%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.19%, and the return on assets is 0.33%.
Yes. Sherwood Community Bank is FDIC-insured (Certificate #1612). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sherwood Community Bank'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.