Southwest Missouri Bank


Founded in 1979, we are proud to be the largest locally owned community bank in southwest Missouri. It all began in Carthage, Missouri, when Garry Denney, along with seven other people, decided to start a new bank. The first Carthage branch opened in June 1979 with one million dollars in assets. Over the years we've expanded into Joplin, Neosho, Jasper and Alba.

We now have 11 full-service branches, a Home Loan Center, and more than 40 ATMs to serve our customers. But most important, we have friendly people who are committed to helping you reach your financial dreams. Whether you want to come into one of our branches and speak to a banking expert, or prefer to do your banking on your phone or computer, we have the services and products to help you.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card

HSA Interest Rates

Interest rates for various balance tiers
$0.00+ 0.10% APY
Last checked on: 02-28-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $0.00
Account Opening Fee Unknown
Account Closing Fee Unknown

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information


Customer Service

Mailing Address PO Box 814
Carthage, MO 64836
Phone Number (800) 943-8488