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 | |