Mid America Bank (Jefferson City, MO)
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Data as of · sourced from FFIEC call reports. How we update
Mid America Bank is an FDIC-insured commercial bank headquartered in Jefferson City, MO, established in 1914 (FDIC certificate 11459), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.18B, up 21.5% from Q2 2025, the 31st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11459
- Headquarters
- Jefferson City, MO
- Established
- 1914
- Total assets, Q2 2026
- $1.18B
- Assets vs Q2 2025
- +21.5%
- Tier 1 leverage ratio, Q2 2026
- 10.76%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 081514748
- Latest call report
- Q2 2026, FFIEC 051 · Mid America Bank Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FRIENDSHIP BANCSHARES, INC.
- Asset rank in state
- 31st of 191 in Missouri
Problem loans are rising at Mid America Bank. Based in Jefferson City, Missouri, it had $1.2 billion in assets at June 30, 2026, up 21.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.12% a year earlier. It grew deposits 27.8% over the year, 5.5 times the median of 5.1% for the 880 banks with $1 billion to $10 billion in assets. It also keeps 4.56 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 8.9% and deposits rose 27.8%.
As of June 30, 2026, Mid America Bank reported a return on assets of 1.95%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 5.60%. The figures come from its call report filed with the FFIEC.
Mid America Bank ranks as the 31st largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $1.18B, loans rose 1.8% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.8% of total loans, ahead of construction and land development loans at 17.7%. The FDIC Summary of Deposits lists 11 offices for it, in 10 cities in MO; its Jefferson City 2 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, Mid America Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1200 W Stadium Blvd, Jefferson City, MO 65109
- County
- Cole
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 12, 1914
- Former names
- Meta State Bank (1951-1984)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 146
- Domestic deposits
- $1.03B
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $1.17B
- Average total loans
- $815.9M
- Average interest-bearing deposits
- $780.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11459
- Fed RSSD
- 873259
- Website
- http://www.midambk.com →
- Parent Holding Company
- FRIENDSHIP BANCSHARES, INC. (RSSD 1978151)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Mid America Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Mid America Bank's total assets ran between $867.0M (Q3 2023) and $1.19B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.18B total assets against $972.7M; $1.05B total liabilities against $850.6M.
$814.3M net loans and leases against $748.0M; $1.03B total deposits against $808.0M.
$153.2M securities against $113.9M; $163.9M cash and balances due against $59.6M.
$17.0M total interest income against $15.3M; $4.3M total interest expense against $3.7M.
$12.7M net interest income against $11.5M.
$1.1M total noninterest income against $947K; $7.3M total noninterest expense against $6.2M.
$697K provision for credit losses against $15K.
$5.7M net income against $6.3M.
1.95% return on assets against 2.58%; 4.56% net interest margin against 5.06%.
10.76% tier 1 leverage ratio against 11.68%.
Inside the full Mid America Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mid America Bank rankings
Its closest position to the top of a national ranking is 548 of 3,611, for ROA; its furthest is 1,204 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.86% (Q4 2024) to 2.58% (Q2 2025) and its net interest margin ran from 4.56% (Q2 2026) to 5.06% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 1.95% | 0.89% | 5.60% | 4.56% |
| Q1 2026 | 10.83% | 2.21% | 0.19% | 1.19% | 4.58% |
| Q4 2025 | 11.20% | 2.22% | 0.16% | 1.11% | 4.90% |
| Q3 2025 | 11.73% | 2.40% | 0.12% | 0.76% | 4.95% |
| Q2 2025 | 11.68% | 2.58% | 0.12% | 0.74% | 5.06% |
| Q1 2025 | 10.98% | 2.14% | 0.10% | 0.68% | 4.57% |
| Q4 2024 | 11.08% | 1.86% | 0.15% | 1.01% | 4.57% |
| Q3 2024 | 11.19% | 2.36% | 0.27% | 1.79% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mid America Bank (main office) | Jefferson City , MO | 65109 | $532.0M |
| Linn Branch | Linn , MO | 65051 | $74.0M |
| Mid America Bank Jefferson City Branch | Jefferson City , MO | 65109 | $71.8M |
| Bank of Freeburg Facility | Freeburg , MO | 65035 | $71.6M |
| St. Elizabeth Mo Branch | Saint Elizabeth , MO | 65075 | $61.9M |
| Meta Branch | Meta , MO | 65058 | $57.2M |
| Mid America Bank - Holts Summit Branch | Holts Summit , MO | 65043 | $44.8M |
| Columbia Branch of Mid America Bank | Columbia , MO | 65201 | $40.2M |
| Bank of St. Elizabeth Lake Facility | Osage Beach , MO | 65065 | $33.4M |
| Belle Branch | Belle , MO | 65013 | $24.0M |
| Mary' Home Facility | Eugene , MO | 65032 | $22.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 11, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2022 | Structure Change | Acquired Bank of St. Elizabeth Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 42 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 450 applications, 365 loans originated, $102.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mid America Bank
What are Mid America Bank's total assets?
As of the Q2 2026 filing, Mid America Bank reported total assets of $1.18 billion in its FFIEC call report.
Where is Mid America Bank headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Mid America Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Mid America Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mid America Bank?
Mid America Bank's primary federal regulator is the FDIC.
How many branches does Mid America Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mid America Bank's Texas Ratio?
Its Texas Ratio is 5.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Mid America Bank previously called?
The charter now named Mid America Bank has also operated as Meta State Bank (1951-1984), per FDIC structure-change records.
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