# MID-MISSOURI BANK
SPRINGFIELD, MO · FDIC certificate 15584 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $946.7M | |
| Deposits | $844.3M | |
| Loans and leases | $679.9M | |
| Total equity | $100.0M | |
| Loans / deposits | 79.57% (p45 of band) | 82.04% |
| Liquid assets / assets | 24.56% (p49 of band) | |
| Uninsured deposits / deposits | 20.73% (p31 of band) | 25.97% |
| Brokered deposits | 2.01% | |
| Wholesale funding | 2.01% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.80% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -1.94% (p80 of band) | -8.10% |
| AOCI / equity | -1.17% (p18 of band) | |
| ROA (annualized) | 1.63% (p71 of band) | 1.28% |
| Net interest margin | 4.53% (p84 of band) | 3.91% |
| Efficiency ratio | 58.89% (p42 of band) | |
| Noncurrent loans | 0.07% (p21 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 1651.12% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 60.75% (p64 of band) | |
| Auto loans | $3.7M (0.54% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 205 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 | charge-offs p90 | capital falling |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | charge-offs p90 |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-23 [Downtown drive-thru bank is closing, former main bank has a new owner, and Girlfriends is opening soon - Webb City Sentinel](https://news.google.com/rss/articles/CBMivwFBVV95cUxOdmxyWE5KZ2JjUS1rZ3lBYUl3NUFUY0IwRWpPV2lIWjBXeGlJWGViWnV6LUNmOWN3MUlBMWFOQWRORnlkNmlCQUNoUk9YVm0tWXVqT2lYOFRKV1ZaZWhuYTA0U3gzZDl0alBqcXNqTk9NbUlKQ0s1eUtObGVWLTNQanVMWW9YN09BcklreUppdUFUeWFlYlFMNTgtb0IzTXpwblRhZUFkemNjWEdYZHZUdzcwbnNiR0dYbUExTVNSNA?oc=5) · Webb City Sentinel
- 2026-01-14 [Michael L. Miller, Mid-Missouri Bank - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeHVKWUhVWU5YMncxWnByd2RCX1BZUGtqbzhHcEVmcW5hNDhQSk5QWk5NSFk2TmtzV1l2UjgxMEtPRTRCUHh0cUp3WEg0bVZTUDZfZEtBcTI2ckQtcU1aRXN2QlkwVXBJWU43V3g2UlRsc1V2TlZ6UUx2TUJoNGtoRVZSZ29McnVzSVNlZFVROWFFcUU?oc=5) · Missouri Lawyers Media
- 2024-03-08 [Mid-Missouri Bank in Mount Vernon gets new leadership - Springfield Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYnVRZlBVS0xyUmdKd3ZDcHpxM0tYOUQ5d2NfQUFvMnpqc3ZkQ09UbG9SeW5LZ2E5ODkxZnFSTHllWWotYmhkQk9mNGpQRXlwWG1RUThLYVlCVDZRYXRZeEl0b1dJT1lkWVlPOEV4eW5xT3dHVkJNOC1oWGllX29Scm5FdXpfTC1fY3dz?oc=5) · Springfield Business Journal
- 2024-04-10 [Mid-Missouri Bank and Insurance opens new facility in Webb City - koamnewsnow.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOckhMaFEtQU1IMWdaZUNQeVZIWS1OaG9pcXA2TlIxZ0xDTDhSTV9HUHJZUkVVVUsxVWZQQU5VTDNWY28zZnpvajJwRnJrdzVIekZ1MG1hVzZqaFJ0dGZwSTZXTHJsaV84LXVfdGs5d205TEZvZ01qVFBpRm9aZHBfOXdKOFhpeEZoeHg3MDZYVWt6LWdpSnN1Z0FxOGFmZVU3aVFfUTlmOWhrN1I5ODBOclkxaTZ6UFJRbXotQmY4T1piRm42Nk5Zd3pkLUFTY0ZtcXJzYWg1X21pZjRZOEIydG9MNDQtYW8?oc=5) · koamnewsnow.com
- 2025-08-29 [Forbes report ranks Mid-Missouri Bank as No. 1 in Missouri - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaktqSU1GaDRCMXNhQkY2R2pLbk1mbUdEaXRlZkRWY09FTjZnQWhHUzUtZ0V5OGNfTHI5Y1pXdHEyZml5LXJFNFg3RE50SU1CcE5KMjdna0tSSGFxY210WVF6VEZYd1p4Y3ZubktYOTU4VFB6OGRBVVc5cEFkNGVpVnVyY1JaRnFqZXNDSWloVU40QQ?oc=5) · Springfield Business Journal
- 2021-06-23 [Mid-Missouri Bank marks 150 years - Bolivar Herald Free-Press](https://news.google.com/rss/articles/CBMif0FVX3lxTE1JSE93dUt5QjU3a2xPNXVnLXgyQktqd0NfOHVCZlNJUkVxU1RTd29TcWJncXFXeVJvTmw5RzhCTGRtOEYyZmZtSEdYVU44WTQteFJEb2dVd0IwQTBST3FtdnVLYTJVTkZacG9RWHNDZUF6RXFUTVR5R2hfY1RPMk0?oc=5) · Bolivar Herald Free-Press
- 2024-05-01 [Former main bank, now surplus, has been a longstanding Webb City fixture - Webb City Sentinel](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRTM5RWFzMkt6N1V6Unk2bVVIRFBkTkROS0JPcUNYQmNmb2dob2s5TVhpTG5jRHg5TDlsYVdhN25NRlV0Ri1BWlVxUVhyUEtfNkpZbHYzbXF4NXR6MDh3aWtaZVRfRl9Uc3l4bzZwbjRYblFQdm1tZjFJeXFWWUhHRW9nMGE5YlhrcVdFajlVOUV2cHdCc2xz?oc=5) · Webb City Sentinel
- 2021-03-15 [Nearing their 150-year Anniversary, Mid-Missouri Bank Is Still Just Getting Started - Springfield Business Journal](https://news.google.com/rss/articles/CBMisgFBVV95cUxNQ294NXNaSUJ2WWdQem9zV0cxeWhqdnB4VElETVBFbFd1VDJWNkVoNU9YMFBWZDBZX2ZnRWJYZTFoRGYtSHVRNUhPemkwamdIcnZrdFZDRjRpY25FMHgzWElqZmNvWDlVblVPMktRd0F2T2J5VEQ1bFI4dG1ka09Hd29takM2Y21GT0tsZk9oT2M1Qy1nTUxSY3lGdFNMaWdiWnJBY1JudEJEcGRtd3h4YU5n?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15584 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "15584", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide