TellerScore

Mid America Bank (FDIC certificate #11459) is based in Jefferson City, Missouri. Its Q2 2026 call report shows $1.2B in total assets and $1.0B in deposits and 11 offices.

Based on its Q2 2026 filing, Mid America Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 103rd. Its strongest component is earnings (100/100; 2.07%), and its lowest is funding & liquidity (42/100; 79% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.76%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.89%
Earnings100/100
Return on assets (annualized): 2.07%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 78.8% · 49.9% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (79 → 70), mostly because the loan quality component weakened by 26 points.

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202478
Q1 202579
Q2 202579
Q3 202580
Q4 202578
Q1 202677
Q2 202670
Tier 1 leverage ratio
5.00%8.36%11.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.67%
Q3 202411.19%
Q4 202411.08%
Q1 202510.98%
Q2 202511.68%
Q3 202511.73%
Q4 202511.20%
Q1 202610.83%
Q2 202610.76%
Noncurrent loans
0.10%0.50%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.27%
Q4 20240.15%
Q1 20250.10%
Q2 20250.12%
Q3 20250.12%
Q4 20250.16%
Q1 20260.19%
Q2 20260.89%
Return on assets
2.07%2.20%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.08%
Q3 20242.18%
Q4 20242.09%
Q1 20252.11%
Q2 20252.32%
Q3 20252.32%
Q4 20252.29%
Q1 20262.19%
Q2 20262.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.2B10.76%0.89%2.07%78.8%
Q1 202677$1.2B10.83%0.19%2.19%76.3%
Q4 202578$1.1B11.20%0.16%2.29%81.9%
Q3 202580$1.0B11.73%0.12%2.32%85.9%
Q2 202579$972.7M11.68%0.12%2.32%92.6%
Q1 202579$1.1B10.98%0.10%2.11%78.7%
Q4 202478$979.8M11.08%0.15%2.09%84.9%
Q3 202477$936.4M11.19%0.27%2.18%91.7%
Q2 202475$920.7M10.67%0.18%2.08%94.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.76%
56th
Total risk-based capital0.00%
13th
Problem loans0.89%
30th
Net charge-offs-0.00%
91st
Return on assets2.07%
90th
Net interest margin4.54%
89th
Efficiency ratio52.3%
71st
Loans to deposits78.8%
70th
Uninsured deposits49.9%
10th
Loan-loss reserves1.14%
48th
Texas ratio5.1%
37th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Montgomery BankBank Sikeston, MO70 out of 100, Strong$1.2B9.7%0.44%vs
Southwest Missouri BankBank Carthage, MO68 out of 100, Moderate$1.2B8.7%0.25%vs
Bank of WashingtonBank Washington, MO44 out of 100, Below average$1.1B12.5%3.50%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
St. Louis BankBank Saint Louis, MO38 out of 100, Low$1.1B8.8%2.87%vs
Triad BankBank Frontenac, MO68 out of 100, Moderate$1.1B10.7%0.21%vs

Deposit insurance

Is my money safe at Mid America Bank?

Yes. Mid America Bank is an FDIC-insured institution (FDIC certificate #11459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.9% of deposits ($515.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Mid America Bank lists 11 offices in 10 cities. Most locations:

  • Jefferson City, MO (2)
  • Belle, MO (1)
  • Columbia, MO (1)
  • Eugene, MO (1)
  • Freeburg, MO (1)
  • Holts Summit, MO (1)
  • Linn, MO (1)
  • Meta, MO (1)
  • Osage Beach, MO (1)
  • Saint Elizabeth, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mid America Bank reported 450 home-loan applications under HMDA (LEI 549300DOV2RLYPY10B52): 365 originated ($102,055,000 total), 25 denied, and 56 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mid America Bank
Former names
Meta State Bank; Peoples Bank of St. Thomas
Type
State-chartered bank
FDIC certificate #
11459
RSSD ID
873259
Primary regulator
FDIC
Holding company
Friendship Bancshares Inc
Established
April 12, 1914
Headquarters
1200 W Stadium Blvd, Jefferson City, MO 65109
Employees
146

Quick answers

Mid America Bank: common questions

Is Mid America Bank FDIC insured?

Yes. Mid America Bank is an FDIC-insured institution (FDIC certificate #11459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Mid America Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Mid America Bank ever failed?

There is no failure record for FDIC certificate #11459 in the FDIC failed bank list.

How many branches does Mid America Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jefferson City

InstitutionScoreAssetsCapitalProblem loansCompare
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
Farmers Bank of Lohman, MissouriBank Jefferson City, MO93 out of 100, Very strong$82.9M17.1%0.02%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs