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 First Missouri State Bank of Cape County Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 5, 2026
First Missouri State Bank of Cape County's Growth Certificate of Deposit 7-Month rates are at 3.85%, Growth Certificate of Deposit 13-Month rates are at 3.75%, Growth Certificate of Deposit 12-Month rates are at 3.50%, Growth Certificate of Deposit 18-Month rates are at 3.50%, Growth Certificate of Deposit 24-Month rates are at 3.50%. 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 05/05/2026. 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. First Missouri State Bank of Cape County
2 S Mount Auburn Rd
https://www.FirstMissouri.Bank Cape Girardeau, MO 63703 
First Missouri State Bank of Cape County CD Rates
Methodology & Data SourcesMonitorBankRates 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 & AssetsA+
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 ReviewslKDA
December 17, 2025
kMlu
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Frequently Asked Questions About First Missouri State Bank of Cape CountyIs 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. Current First Missouri State Bank of Cape County Rates
Retrieved from our database of financial products. Rates subject to change.
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