TellerScore

Sullivan Bank (FDIC certificate #8892) is based in Sullivan, Missouri. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 11 offices.

Sullivan Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 179th. Problem-loan coverage contributes the most (71/100, 14.7%); capital cushion contributes the least (38/100, 8.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.75%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.45%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 95.7% · 26.2% uninsured
Problem-loan coverage71/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.69%

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 5 points (57 → 52), mostly because the loan quality component weakened by 17 points.

TellerScore
495357Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202451
Q4 202455
Q1 202556
Q2 202557
Q3 202553
Q4 202549
Q1 202652
Q2 202652
Tier 1 leverage ratio
5.00%7.07%9.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.63%
Q3 20248.56%
Q4 20249.13%
Q1 20258.92%
Q2 20258.72%
Q3 20258.57%
Q4 20258.62%
Q1 20268.83%
Q2 20268.75%
Noncurrent loans
0.88%1.31%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.29%
Q3 20241.50%
Q4 20241.24%
Q1 20250.88%
Q2 20250.93%
Q3 20251.33%
Q4 20251.75%
Q1 20261.64%
Q2 20261.45%
Return on assets
0.96%1.09%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.16%
Q4 20241.13%
Q1 20250.96%
Q2 20251.06%
Q3 20251.10%
Q4 20251.13%
Q1 20261.23%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$1.4B8.75%1.45%1.13%95.7%
Q1 202652$1.3B8.83%1.64%1.23%95.1%
Q4 202549$1.3B8.62%1.75%1.13%96.0%
Q3 202553$1.3B8.57%1.33%1.10%94.4%
Q2 202557$1.3B8.72%0.93%1.06%94.8%
Q1 202556$1.2B8.92%0.88%0.96%94.8%
Q4 202455$1.2B9.13%1.24%1.13%97.4%
Q3 202451$1.2B8.56%1.50%1.16%95.5%
Q2 202453$1.1B8.63%1.29%1.11%96.0%

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 ratio8.75%
8th
Total risk-based capital12.77%
38th
Problem loans1.45%
16th
Net charge-offs0.01%
62nd
Return on assets1.13%
40th
Net interest margin3.46%
35th
Efficiency ratio54.5%
64th
Loans to deposits95.7%
23rd
Uninsured deposits26.2%
67th
Loan-loss reserves1.20%
59th
Texas ratio14.7%
8th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Cass Commercial BankBank Des Peres, MO83 out of 100, Strong$1.3B14.1%0.16%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Sterling BankBank Poplar Bluff, MO78 out of 100, Strong$1.6B11.1%0.35%vs
Southwest Missouri BankBank Carthage, MO68 out of 100, Moderate$1.2B8.7%0.25%vs
Montgomery BankBank Sikeston, MO70 out of 100, Strong$1.2B9.7%0.44%vs

Deposit insurance

Is my money safe at Sullivan Bank?

Yes. Sullivan Bank is an FDIC-insured institution (FDIC certificate #8892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($321.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.77% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Sullivan Bank lists 11 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sullivan Bank
Former names
Bank of Sullivan
Type
State-chartered bank
FDIC certificate #
8892
RSSD ID
436953
Primary regulator
FDIC
Holding company
Mid-Missouri Holding Co Inc
Established
April 1, 1895
Headquarters
318 W Main St, Sullivan, MO 63080
Employees
166

Quick answers

Sullivan Bank: common questions

Is Sullivan Bank FDIC insured?

Yes. Sullivan Bank is an FDIC-insured institution (FDIC certificate #8892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sullivan Bank's TellerScore?

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

Has Sullivan Bank ever failed?

There is no failure record for FDIC certificate #8892 in the FDIC failed bank list.

How many branches does Sullivan Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sullivan

InstitutionScoreAssetsCapitalProblem loansCompare
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
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
Farmers and Merchants Bank of St. ClairBank Saint Clair, MO84 out of 100, Strong$343.5M12.8%0.00%vs
Peoples BankBank Cuba, MO80 out of 100, Strong$248.7M11.0%0.23%vs
Ozarks Federal Savings and Loan AssociationBank Farmington, MO76 out of 100, Strong$277.2M15.1%0.95%vs