Sullivan Bank
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Data as of · sourced from FFIEC call reports. How we update
Sullivan Bank is an FDIC-insured commercial bank headquartered in Sullivan, MO, established in 1895 (FDIC certificate 8892), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.40B, up 10.7% from Q2 2025, the 25th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.52% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8892
- Headquarters
- Sullivan, MO
- Established
- 1895
- Total assets, Q2 2026
- $1.40B
- Assets vs Q2 2025
- +10.7%
- CET1 ratio, Q2 2026
- 11.52%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 081905302
- Latest call report
- Q2 2026, FFIEC 051 · Sullivan Bank call report
- Holding company
- MID-MISSOURI HOLDING COMPANY, INC
- Asset rank in state
- 25th of 191 in Missouri
Problem loans are rising at Sullivan Bank. The Sullivan, Missouri bank had $1.4 billion in assets at June 30, 2026, up 10.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.45% of loans from 0.93% a year earlier. It funds 8.75% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also carries problem assets equal to 14.9% of the capital and reserves that would absorb them, 4.2 times the median of 3.6% for banks its size.
Funding is the softer spot: it pays an average of 2.90% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Sullivan Bank reported a CET1 capital ratio of 11.52%, a return on assets of 1.05%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 14.89%. The figures come from its call report filed with the FFIEC.
Sullivan Bank ranks as the 25th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.3% to $1.40B, loans rose 3.7% and deposits rose 3.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.3% of total loans, followed by construction and land development loans at 18.4%. Its 11 offices in the FDIC Summary of Deposits are in 10 cities in MO; its Sullivan 2 offices book 39% of its branch deposits. On its Q2 2026 call report, Sullivan Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 318 W Main St, Sullivan, MO 63080
- County
- Franklin
- Metro Area
- St. Louis, MO-IL
- 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1895
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 166
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $14.2M
- Net charge-offs (YTD)
- $82K
- Average total assets
- $1.36B
- Average total loans
- $1.15B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8892
- Fed RSSD
- 436953
- SEC CIK
- 1654887 → filed by MID-MISSOURI HOLDING COMPANY, INC
- Website
- www.sullivanbank.com →
- Parent Holding Company
- MID-MISSOURI HOLDING COMPANY, INC (RSSD 2300768)
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
Sullivan Bank's total assets moved between a low of $989.5M (Q4 2023) and a high of $1.40B (Q2 2026) from Q3 2023 to Q2 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
$1.40B total assets against $1.26B; $1.28B total liabilities against $1.15B.
$1.17B net loans and leases against $1.05B; $1.23B total deposits against $1.11B.
$33.7M securities against $40.9M; $130.7M cash and balances due against $111.1M.
$20.5M total interest income against $18.7M; $8.9M total interest expense against $9.1M.
$11.5M net interest income against $9.7M.
$1.5M total noninterest income against $1.3M; $7.1M total noninterest expense against $6.1M.
$1.2M provision for credit losses against $300K.
$3.6M net income against $3.6M.
1.05% return on assets against 1.16%; 3.56% net interest margin against 3.30%.
11.52% CET1 capital ratio against 11.63%; 8.75% tier 1 leverage ratio against 8.72%.
Inside the full Sullivan 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Sullivan Bank rankings
Its closest position to the top of a national ranking is 315 of 3,640, for Texas Ratio; its furthest is 1,845 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.24% (Q3 2024) and its net interest margin ran from 3.14% (Q1 2025) to 3.56% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.52% | 1.05% | 1.45% | 14.89% | 3.56% |
| Q1 2026 | 11.56% | 1.23% | 1.64% | 16.86% | 3.38% |
| Q4 2025 | 11.52% | 1.21% | 1.75% | 18.57% | 3.43% |
| Q3 2025 | 11.45% | 1.19% | 1.33% | 18.45% | 3.38% |
| Q2 2025 | 11.63% | 1.16% | 0.93% | 15.15% | 3.30% |
| Q1 2025 | 11.78% | 0.96% | 0.88% | 15.88% | 3.14% |
| Q4 2024 | 12.31% | 1.06% | 1.24% | 14.67% | 3.32% |
| Q3 2024 | 11.27% | 1.24% | 1.50% | 16.44% | 3.18% |
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 |
|---|---|---|---|
| Sullivan Bank (main office) | Sullivan , MO | 63080 | $471.7M |
| Union Branch | Union , MO | 63084 | $156.1M |
| Springfield Branch | Springfield , MO | 65807 | $138.7M |
| Eureka Branch | Eureka , MO | 63025 | $119.1M |
| Cuba Branch | Cuba , MO | 65453 | $93.5M |
| Sunrise Beach Branch | Sunrise Beach , MO | 65079 | $90.0M |
| St. Clair Branch | St. Clair , MO | 63077 | $51.8M |
| Jefferson City Branch | Jefferson City , MO | 65109 | $48.6M |
| Labadie Branch | Labadie , MO | 63055 | $30.9M |
| Pleasant Hope Branch | Pleasant Hope , MO | 65725 | $24.7M |
| Sullivan's I-44 Branch | Sullivan , MO | 63080 | $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 |
|---|---|---|---|
| December 15, 2012 | Structure Change | Acquired Community Bank of the Ozarks Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 14, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 1, 1997 | Structure Change | Acquired American Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Structure Change | Acquired Meramec State 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MO, rank 34 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 11 loans, $3.3M approved, $296K 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 Sullivan Bank
What are Sullivan Bank's total assets?
As of the Q2 2026 filing, Sullivan Bank reported total assets of $1.40 billion in its FFIEC call report.
Where is Sullivan Bank headquartered?
It is headquartered in Sullivan, MO, United States.
When was Sullivan Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Sullivan Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sullivan Bank?
Sullivan Bank's primary federal regulator is the FDIC.
What is Sullivan Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.52% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sullivan 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 Sullivan Bank's Texas Ratio?
Its Texas Ratio is 14.89% 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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