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First Missouri State Bank of Cape County

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First Missouri State Bank of Cape County Rates & Review April 2026

Item: First Missouri State Bank of Cape County
Rating: 6730
Author: lKDA

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare First Missouri State Bank of Cape County rates to other rates in our database, including 12-month CD rates currently at 3.24%, 6-month CD rates at 3.85% and 3-month CD rates at 2.00%. Savings rates are at 0.25% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.28%. All these rates can be compared to First Missouri State Bank of Cape County rates. MonitorBankRates evaluates the financial stability of First Missouri State Bank of Cape County with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.47%. Rates were last updated on 04/23/2026.

First Missouri State Bank of Cape County money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Missouri State Bank of Cape County? Share your experience about First Missouri State Bank of Cape County by leaving a review below, or read customer reviews before you decide to use First Missouri State Bank of Cape County.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.47%

Excellent Lower than avg

First Missouri State Bank of Cape County

2 S Mount Auburn Rd
Cape Girardeau, MO 63703

https://www.FirstMissouri.Bank

Current Rate Availability

We do not have First Missouri State Bank of Cape County rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Missouri State Bank of Cape County is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Missouri State Bank of Cape County rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Missouri State Bank of Cape County's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Missouri State Bank of Cape County

Bank Holding Company FMS BCORP INC

Address 2 S Mount Auburn Rd, Cape Girardeau, MO 63703 · Cape Girardeau

Website https://www.FirstMissouri.Bank

FDIC Certificate # 58230

Established 06/30/2006

FDIC Insurance Date 06/30/2006

Domestic Offices 3

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1953%

Return on Equity (ROE) 14.5400%

Non-Performing Loans (NPL) 0.11%

Total Assets $235,475,000

Total Deposits $207,405,000

Equity Capital $18,978,000

Net Income $2,600,000

Headquarters Cape Girardeau

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

lKDA

★★★★★

December 17, 2025

kMlu

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for First Missouri State Bank of Cape County

Frequently Asked Questions About First Missouri State Bank of Cape County

Is First Missouri State Bank of Cape County a safe place to deposit money?

Yes, First Missouri State Bank of Cape County is considered a safe financial institution. With a Texas Ratio of 1.4654612066418%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does First Missouri State Bank of Cape County operate?

First Missouri State Bank of Cape County currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Missouri State Bank of Cape County does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Missouri State Bank of Cape County provides members with tools to manage their accounts and build a solid financial history.

Does First Missouri State Bank of Cape County offer online and mobile banking?

Most modern institutions like First Missouri State Bank of Cape County provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.FirstMissouri.Bank.