Sullivan, MO · Cert 8892 · Mid-Missouri Holding Co. Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
45
Profitability
45
Liquidity
34
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sullivan, MO · Cert 8892 · Mid-Missouri Holding Co. Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #32 of 111 inst. · $0.8B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.13% | 0.96% | 1.06% | 1.10% | 1.13% | 1.23% | 1.13% | +7 bps | |
| Return on Equity | 13.53% | 13.13% | 10.78% | 12.06% | 12.69% | 13.05% | 14.06% | 13.03% | +96 bps | |
| Net Interest Margin | 2.85% | 2.91% | 3.00% | 3.03% | 3.03% | 3.04% | 3.23% | 3.27% | +24 bps | |
| Efficiency Ratio | 54.51% | 54.69% | 60.14% | 57.93% | 57.33% | 57.33% | 54.57% | 54.46% | -347 bps | |
| Non-Interest Burden | 1.37% | 1.41% | 1.66% | 1.59% | 1.57% | 1.57% | 1.58% | 1.59% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.07% | 18.01% | 12.09% | 11.51% | 12.32% | 11.74% | 10.01% | 10.71% | -80 bps | |
| Loan Growth (YoY) | 10.88% | 13.07% | 10.60% | 10.40% | 10.21% | 10.51% | 10.70% | 11.57% | +116 bps | |
| Deposit Growth (YoY) | 8.68% | 18.54% | 14.78% | 11.77% | 11.52% | 12.12% | 10.30% | 10.48% | -128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.50% | 1.24% | 0.88% | 0.93% | 1.33% | 1.75% | 1.64% | 1.45% | +52 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.08% | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.01% | +2 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.17% | 1.17% | 1.16% | 1.15% | 1.16% | 1.20% | +3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.3x | 1.3x | 0.9x | 0.7x | 0.7x | 0.8x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.56% | 9.13% | 8.92% | 8.72% | 8.57% | 8.62% | 8.83% | 8.75% | +4 bps | |
| Total Risk-Based Capital | 12.52% | 13.56% | 13.03% | 12.89% | 12.70% | 12.78% | 12.81% | 12.77% | -12 bps | |
| Equity / Assets | 8.46% | 9.01% | 8.79% | 8.54% | 8.43% | 8.70% | 8.75% | 8.56% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.67% | 98.58% | 95.89% | 95.93% | 95.53% | 97.17% | 96.24% | 96.87% | +94 bps | |
| Liquid Assets / Assets | 7.29% | 5.27% | 7.54% | 8.53% | 8.95% | 7.17% | 8.19% | 9.06% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 481% | 493% | 483% | n/a | n/a | |
Sullivan, MO · Cert 8892 · Peer group: banks $1B-$10B in assets (n=322-328) · Mid-Missouri Holding Co. Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.09%
Rank 207 of 328
Net Interest Margin
3.27%
Rank 203 of 328
Efficiency Ratio
54.46%
Rank 114 of 328
Equity / Assets
8.56%
Rank 285 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.91% | 1.22% | 1.52% | Beats 37% | 207 / 328 | ||
| Return on Equity | 12.71% | 8.43% | 11.45% | 14.43% | Beats 60% | 132 / 328 | ||
| Net Interest Margin | 3.27% | 3.03% | 3.45% | 3.83% | Beats 38% | 203 / 328 | ||
| Efficiency Ratio | 54.46% | 51.61% | 59.56% | 67.53% | Beats 66% | 114 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.45% | 0.24% | 0.51% | 1.03% | Beats 16% | 270 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 74% | 85 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.52% | 11.75% | 13.15% | 15.47% | Beats 23% | 253 / 328 | ||
| Total Risk-Based Capital Ratio | 12.77% | 12.63% | 14.15% | 16.46% | Beats 27% | 239 / 328 | ||
| Equity / Assets | 8.56% | 9.15% | 10.33% | 12.01% | Beats 13% | 285 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.87% | 76.63% | 87.92% | 95.36% | 79th pctl | 69 / 323 | ||
| Loans / Assets | 84.97% | 65.18% | 74.15% | 79.98% | 91st pctl | 29 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||