Mainly refinancing
Refinances made up 73.8% of its loans and home purchases 19.0%. Its typical loan was $140,000, against $165,000 at similar lenders, state non-member banks making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Missouri / State Bank of Missouri
State Bank of Missouri
Concordia, MO · State non-member bank · FDIC · $138 million assets · 42 loans in 2025
State Bank of Missouri's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Bank of Missouri, a small bank in Concordia, mostly refinances loans, and more of its borrowers have low or moderate incomes than at most similar banks.
More low- and moderate-income borrowers
Low- and moderate-income borrowers took 40.0% of its loans, against 27.8% at similar banks, more than at about four in five of them. The share was 58.6% a year earlier; on 36 loans, swings of that size mean little.
Growing from a small base
It made 42 loans, up 17% from 36, while similar banks grew 2%. That is faster than more than two-thirds of them. It filed no report for 2020 to 2022, a gap in the record rather than years without lending.
Close to home
It lends in eight counties in Missouri. It has lent in the Kansas City area since at least 1990, where it ranks 277 of 659 lenders, and ranks 260 of 640 in non-metro Missouri. It was Alma Bank until 1996.
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
42 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. State Bank of Missouri took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
73.8% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 73.8% · Purchase 19.0% · Other 4.8% · Home improvement 2.4%
Conventional 100.0% · of 42 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
1 state, 1 metro, 8 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 42 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Kansas City | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EMI4DCHFPR1811 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 565844 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310623 | 1990–2017 |
Established 28 July 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: State Bank of Missouri's data.
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