Mid-Missouri Bank
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Data as of · sourced from FFIEC call reports. How we update
Mid-Missouri Bank is an FDIC-insured commercial bank headquartered in Springfield, MO, established in 1872 (FDIC certificate 15584), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $946.7M, up 2.2% from Q2 2025, the 41st largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 14.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15584
- Headquarters
- Springfield, MO
- Established
- 1872
- Total assets, Q2 2026
- $946.7M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 14.89%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 086503424
- Holding company
- MID-MISSOURI BANCSHARES, INC.
- Asset rank in state
- 41st of 191 in Missouri
Mid-Missouri Bank earns an unusually wide margin on its lending. It reported $947 million in assets at June 30, 2026, up 2.2% from a year earlier. It keeps 4.61 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.07% of loans from 0.31%.
As of June 30, 2026, Mid-Missouri Bank reported a CET1 capital ratio of 14.89%, a return on assets of 1.59%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mid-Missouri Bank is the 41st largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $946.7M, loans rose 2.5% and deposits rose 0.9%. 1-4 family residential loans made up 27.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.2%. The FDIC Summary of Deposits lists 13 offices for it, in 10 cities in MO; its Springfield 3 offices book 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, Mid-Missouri Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1615 E Independence St, Springfield, MO 65804
- County
- Greene
- Metro Area
- Springfield, 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 041
- Established
- June 20, 1872
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 205
- Domestic deposits
- $844.3M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $137K
- Average total assets
- $937.2M
- Average total loans
- $669.1M
- Average interest-bearing deposits
- $702.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 24, 1938
- FDIC Cert
- 15584
- Fed RSSD
- 950141
- SEC CIK
- 1373893 → filed by MID-MISSOURI BANCSHARES, INC.
- Website
- www.midmobank.com →
- Parent Holding Company
- MID-MISSOURI BANCSHARES, INC. (RSSD 1133455)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mid-Missouri Bank's total assets ranged from $913.8M (Q3 2023) to $948.4M (Q3 2024), 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
$946.7M total assets against $926.4M; $846.7M total liabilities against $831.3M.
$671.8M net loans and leases against $650.9M; $844.3M total deposits against $828.2M.
$137.2M securities against $115.6M; $95.3M cash and balances due against $117.6M.
$12.7M total interest income against $12.7M; $2.5M total interest expense against $2.9M.
$10.2M net interest income against $9.8M.
$2.5M total noninterest income against $2.5M; $7.7M total noninterest expense against $7.2M.
$300K provision for credit losses against $300K.
$3.7M net income against $3.9M.
1.59% return on assets against 1.69%; 4.61% net interest margin against 4.48%.
14.89% CET1 capital ratio against 14.66%; 10.80% tier 1 leverage ratio against 10.35%.
Inside the full Mid-Missouri 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-Missouri Bank rankings
Its closest position to the top of a national ranking is 1,087 of 4,196, for total assets; its furthest is 2,988 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q4 2025) to 1.69% (Q2 2025) and its net interest margin ran from 4.19% (Q3 2024) to 4.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.89% | 1.59% | 0.07% | 0.45% | 4.61% |
| Q1 2026 | 14.79% | 1.67% | 0.08% | 0.52% | 4.43% |
| Q4 2025 | 14.59% | 1.11% | 0.23% | 1.71% | 4.55% |
| Q3 2025 | 14.68% | 1.35% | 0.25% | 1.94% | 4.42% |
| Q2 2025 | 14.66% | 1.69% | 0.31% | 2.33% | 4.48% |
| Q1 2025 | 14.31% | 1.51% | 0.35% | 2.88% | 4.24% |
| Q4 2024 | 13.77% | 1.13% | 0.48% | 3.85% | 4.30% |
| Q3 2024 | 13.47% | 1.15% | 0.87% | 6.38% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Bolivar Branch | Bolivar , MO | 65613 | $136.2M |
| Mt. Vernon Branch | Mount Vernon , MO | 65712 | $126.2M |
| Lebanon Branch | Lebanon , MO | 65536 | $84.3M |
| Springfield - Sunshine Branch | Springfield , MO | 65809 | $78.2M |
| Eldorado Springs Branch | El Dorado Springs , MO | 64744 | $73.0M |
| Webb City Facility | Webb City , MO | 64870 | $67.2M |
| Republic Branch | Republic , MO | 65738 | $66.1M |
| Stockton Branch | Stockton , MO | 65785 | $51.4M |
| Joplin Branch | Joplin , MO | 64804 | $47.3M |
| Willard Branch | Willard , MO | 65781 | $40.4M |
| Campbell Facility | Springfield , MO | 65810 | $37.4M |
| Mid-Missouri Bank (main office) | Springfield , MO | 65804 | $36.4M |
| Motor Branch | Webb City , MO | 64870 | $0 |
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 |
|---|---|---|---|
| August 4, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 4, 2006 | Structure Change | Acquired Webb City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2005 | Structure Change | Acquired Town and Country Bank of the Ozarks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 13, 2001 | Structure Change | Acquired Tri-County State Bank of Eldorado Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2001 | Structure Change | Acquired Laclede County Bank 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 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 54 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $1.7M approved, $337K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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-Missouri Bank
What are Mid-Missouri Bank's total assets?
As of the Q2 2026 filing, Mid-Missouri Bank reported total assets of $946.7 million in its FFIEC call report.
Where is Mid-Missouri Bank headquartered?
It is headquartered in Springfield, MO, United States.
When was Mid-Missouri Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Mid-Missouri Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mid-Missouri Bank?
Mid-Missouri Bank's primary federal regulator is the FDIC.
What is Mid-Missouri Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mid-Missouri Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mid-Missouri Bank's Texas Ratio?
Its Texas Ratio is 0.45% 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.
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