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Sullivan Bank

Sullivan, MO · Cert 8892 · Mid-Missouri Holding Co. Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$119.6MEquity
Loan mix
91%RE $1.0B7%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $1.1B9%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.76%Q2 ’246.08%Q2 ’256.02%Q2 ’26+10%+8%

Non-interest income vs. expense

1.85%Q2 ’241.98%Q2 ’252.08%Q2 ’26+12%+5%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #32 of 111 inst. · $0.8B of $141.7B

18.1% Franklin
1.2% Greene
0.2% St. Louis
19.3% Crawford

Executive Summary

  • Earnings: ROA of 1.04%, down 12 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 1.45% of loans (+52 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 8.75%, up 4 bps from a year ago.
  • Funding: loans stand at 96.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.04%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+26 bps YoY

Efficiency Ratio (quarter, annualized)

54.36%-156 bps YoY

Tier 1 Leverage Ratio

8.75%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.18%1.21%1.23%1.04%-12 bps
Return on Equity13.31%13.94%14.16%14.06%12.00%-131 bps
Net Interest Margin3.15%3.23%3.28%3.23%3.40%+26 bps
Efficiency Ratio55.92%56.25%57.31%54.57%54.36%-156 bps
Non-Interest Burden1.58%1.62%1.70%1.58%1.65%+7 bps
Growth
Asset Growth (YoY)11.51%12.32%11.74%10.01%10.71%-80 bps
Loan Growth (YoY)10.40%10.21%10.51%10.70%11.57%+116 bps
Deposit Growth (YoY)11.77%11.52%12.12%10.30%10.48%-128 bps
Asset Quality
Nonperforming Loans / Loans0.93%1.33%1.75%1.64%1.45%+52 bps
Net Charge-Offs / Loans-0.03%0.00%0.01%0.00%0.03%+5 bps
Allowance / Loans1.17%1.16%1.15%1.16%1.20%+3 bps
Allowance Coverage of NPLs1.3x0.9x0.7x0.7x0.8x-0.4x
Capital
Tier 1 Leverage Ratio8.72%8.57%8.62%8.83%8.75%+4 bps
Total Risk-Based Capital12.89%12.70%12.78%12.81%12.77%-12 bps
Equity / Assets8.54%8.43%8.70%8.75%8.56%+2 bps
Liquidity & Funding
Loans / Deposits95.93%95.53%97.17%96.24%96.87%+94 bps
Liquid Assets / Assets8.53%8.95%7.17%8.19%9.06%+53 bps
CRE / Total Capitaln/a481%493%483%n/an/a