Applications / Mortgage Analytics / Lenders / Missouri / First Missouri State Bank of Cape County
Cape Girardeau, MO · State non-member bank · FDIC · $235 million assets · 85 loans in 2025
First Missouri State Bank of Cape County's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
85
loans originated, 2025
91
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Missouri State Bank of Cape County is a home-town lender with weight: it ranked third of 157 lenders in Cape Girardeau in 2025, and its share there rose to 7.3%.
It has lent in Cape Girardeau since 2009. Its share rose 2.7 points from 4.6% in 2024, leaving only First State Community Bank and DAS Acquisition Company ahead of it. Elsewhere it is a minor player: it ranked 378 of 637 in St. Louis.
Its loans rose 27% to 85, faster than about three in four similar lenders, state non-member banks making between half and twice as many loans, whose typical growth was 9%. The whole market grew 10%. Purchases were 65.9% of its loans and refinancing 34.1%, all conventional.
Low- and moderate-income (LMI) borrowers took 33.3% of its loans, against 27.7% at similar lenders, higher than about two-thirds of them. Only 3.5% of its loans were in LMI neighborhoods, against 18.5%, among the lowest tenth. The nine counties where it lends may hold few such tracts; county detail would show which of them its lower-income borrowers come from.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Missouri State Bank of Cape County took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.9% · Refinance 34.1%
Conventional 100.0% · of 85 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 84 | 98.8% |
| Alabama | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cape Girardeau | 59 |
| St. Louis | 3 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EHOXTFKJXVWZ10 | 2018–2019 |
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005C8ZBTKUWJPI93 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3383665 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358230 | 2009–2017 |
Established 30 June 2006. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: First Missouri State Bank of Cape County's data.
First Missouri State Bank of Cape County's data
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First Missouri State Bank of Cape County and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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