Headquartered in Springfield, Missouri, Mid-Missouri Bank is a state-chartered bank with $946.7M in total assets and $844.3M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1872.
Mid-Missouri Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 47th. Problem-loan coverage contributes the most (99/100, 0.5%); capital cushion contributes the least (58/100, 10.80%).
TellerScore · Q2 2026
Scorecard
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 rose 4 points (76 → 80), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 66 |
| Q4 2024 | 70 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 76 |
| Q4 2025 | 75 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.52% |
| Q3 2024 | 9.53% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.96% |
| Q2 2025 | 10.35% |
| Q3 2025 | 10.31% |
| Q4 2025 | 10.30% |
| Q1 2026 | 10.60% |
| Q2 2026 | 10.80% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.29% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.60% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $946.7M | 10.80% | 0.07% | 1.63% | 79.6% |
| Q1 2026 | 80 | $937.6M | 10.60% | 0.08% | 1.67% | 78.3% |
| Q4 2025 | 75 | $927.3M | 10.30% | 0.23% | 1.41% | 78.7% |
| Q3 2025 | 76 | $936.8M | 10.31% | 0.25% | 1.52% | 77.0% |
| Q2 2025 | 76 | $926.4M | 10.35% | 0.31% | 1.60% | 78.6% |
| Q1 2025 | 74 | $939.2M | 9.96% | 0.35% | 1.51% | 76.4% |
| Q4 2024 | 70 | $934.0M | 9.67% | 0.48% | 1.29% | 77.0% |
| Q3 2024 | 66 | $948.4M | 9.53% | 0.87% | 1.34% | 75.4% |
| Q2 2024 | 75 | $930.6M | 9.52% | 0.07% | 1.44% | 79.2% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Bank of FreedomBank Wellsville, MO | 53 out of 100, Below average | $948.3M | 10.0% | 1.54% | vs |
| Midwest Regional BankBank Clayton, MO | 26 out of 100, Low | $949.0M | 10.2% | 6.61% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Stifel Trust Company, National AssociationBank Saint Louis, MO | 70 out of 100, Strong | $911.0M | 7.5% | 0.00% | vs |
| Peoples Bank & Trust Co.Bank Troy, MO | 58 out of 100, Moderate | $908.3M | 10.0% | 2.27% | vs |
| First Federal Bank of Kansas CityBank Lees Summit, MO | 64 out of 100, Moderate | $992.5M | 11.3% | 0.45% | vs |
Deposit insurance
Is my money safe at Mid-Missouri Bank?
Yes. Mid-Missouri Bank is an FDIC-insured institution (FDIC certificate #15584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.7% of deposits ($175.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.12% (benchmark: 10%).
14 locations
Branches
Mid-Missouri Bank lists 11 offices in 9 cities. Most locations:
- Springfield, MO (3)
- Bolivar, MO (1)
- El Dorado Springs, MO (1)
- Joplin, MO (1)
- Lebanon, MO (1)
- Mount Vernon, MO (1)
- Republic, MO (1)
- Stockton, MO (1)
- Willard, MO (1)
Identity & history
Profile
- Legal name
- Mid-Missouri Bank
- Former names
- Polk County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15584
- RSSD ID
- 950141
- Primary regulator
- FDIC
- Holding company
- Mid-Missouri Bancshares Inc
- Established
- June 20, 1872
- Headquarters
- 1615 E Independence St, Springfield, MO 65804
- Website
- www.midmobank.com
- Employees
- 205
Quick answers
Mid-Missouri Bank: common questions
Is Mid-Missouri Bank FDIC insured?
Yes. Mid-Missouri Bank is an FDIC-insured institution (FDIC certificate #15584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mid-Missouri Bank's TellerScore?
80 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-Missouri Bank ever failed?
There is no failure record for FDIC certificate #15584 in the FDIC failed bank list.
How many branches does Mid-Missouri Bank have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Multi-States Credit UnionCredit union Springfield, MO | 78 out of 100, Strong | $90.9M | 12.5% | 0.36% | vs |
| Arlo BankBank Springfield, MO | 77 out of 100, Strong | $269.1M | 13.5% | 0.00% | vs |
| Telcomm Credit UnionCredit union Springfield, MO | 77 out of 100, Strong | $337.9M | 13.2% | 0.25% | vs |