Mid-Missouri Bank
Headquarters
1615 E Independence St
Springfield, MO 65804
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2026 Overview
General Bank Information
Mid-Missouri Bank is an FDIC insured institution located in Springfield, MO. It was founded in 1872 and has approximately $0.95 billion in assets. Customers can open an account at one of its 15 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 15584 |
| Date Established | 1872 |
| Assets | $ 946.74 million |
| Loans | $ 671.83 million |
| Deposits | $ 844.28 million |
| Capital | $ 99.99 million |
For a more detailed analysis of Mid-Missouri Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 31, 2026
Your Current Location: New York, NY 10116
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Loan Rates - October 31, 2026
Your Current Location: New York, NY 10116
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.66% | 6.50% | $2,787.54 | |
| 20 Year Fixed Conforming See Amortization Table |
7.12% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.22% | 7.13% | $2,155.90 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.66% | 6.50% | $2,787.54 | |
| 20 Year Fixed Conforming See Amortization Table |
7.12% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.22% | 7.13% | $2,155.90 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Mid-Missouri Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Mid-Missouri Bank Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1010.90 | A | View Lobby Hours | |
| 1047.30 | B | View Lobby Hours | |
| 1050.35 | C | View Lobby Hours | |
| 1052.12 | D | View Lobby Hours | |
| 1055.96 | E | View Lobby Hours | |
| 1060.71 | F | View Lobby Hours | |
| 1069.27 | G | View Lobby Hours | |
| 1078.99 | H | View Lobby Hours | |
| 1079.24 | I | View Lobby Hours | |
| 1079.50 | J | View Lobby Hours | |
| 1111.87 | K | View Lobby Hours | |
| 1111.87 | L | View Lobby Hours | |
| 1112.73 | M | View Lobby Hours | |
| 1113.21 | N | View Lobby Hours | |
| 1114.70 | O | View Lobby Hours |
Climate Policy and Initiatives
Mid-Missouri Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Mid-Missouri Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Mid-Missouri Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Mid-Missouri Bank | U.S. Bank Average |
|---|---|
| 0.45% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2026, Mid-Missouri Bank had $489,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $99,989,000 in equity and $8,074,000 in loans loss reserves. That gives it a Texas Ratio of 0.45%.
Return on Equity
| Mid-Missouri Bank | U.S. Bank Average |
|---|---|
| 15.61% | 11.52% |
Mid-Missouri Bank has a Return on Equity of 15.61% versus the BestCashCow average of 11.52%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Mid-Missouri Bank | U.S. Bank Average |
|---|---|
| 10.56% | 11.94% |
Mid-Missouri Bank has a Capitalization of 10.56% versus the BestCashCow average of 11.94. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Mid-Missouri Bank Balance Sheet Analysis
As of June 30, 2026, Mid-Missouri Bank had assets of $946,738,000, loans of $671,832,000, and deposits of $844,282,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 95.26 million |
| Interest-bearing balances | $ 82.71 million |
| Total securities | $ 137.24 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 671.83 million |
| Loan loss allowance | $ 8.07 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 0.24 million |
| All other assets | $ 7.31 million |
| Total Assets | $ 846.75 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 844.28 million |
| Interest-bearing deposits | $ 816.02 million |
| Deposits held in domestic offices | $ 844.28 million |
| % insured (estimated) | 79.30% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.21 million |
| Total Liabilities | $ 846.75 million |
| Shareholders’ Equity | $ 99.99 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 25.08 million |
| Total Interest Expense | $ 5.06 million |
| Net interest income | $ 20.02 million |
| Provision for loan and lease losses | $ 0.60 million |
| Total non interest income | $ 5.44 million |
| Total non interest expense | $ 15.02 million |
| Pre-tax Net Operating Income | $ 4.71 million |
Bank Loan Profile?
The top three loan types in Mid-Missouri Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.
Compared to other banks in Missouri, Mid-Missouri Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 20.23 | ✓ | ||
| Multifamily Mortgages |
2.35 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.84 | ✓ | ||
| Small Business Loans | 10.25 | ✓ | ||
| Construction and Development Loans | 6.35 | ✓ | ||
| Commercial Real Estate | 27.44 | ✓ | ||
| Commercial and Industrial Loans | 6.73 | ✓ | ||
| Farm Loans | 3.56 | ✓ | ||
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