Mid America Bank
Jefferson City, Missouri, Cole County
$1.2B in total assets, the 927th largest of 4,309 US banks and 31st of 195 headquartered in Missouri.
- FDIC certificate
- 11459
- Established
- 1914
- Owned by
- Friendship Bancshares Inc
- Primary regulator
- FDIC
- Website
- http://www.midambk.com
At a glance
Compared with 29 banks headquartered in Missouri with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 17% | $1.8B | |
| Loans | $824M | 10% | $1.4B | |
| Deposits | $1.0B | 21% | $1.5B | |
| Return on assets | 2.18% | 90% | 1.26% | |
| Net interest margin | 4.54% | 86% | 3.86% | |
| Efficiency ratio | 52.3% | 31% | 56.8% | |
| Equity to assets | 11.51% | 62% | 10.96% | |
| Loans to deposits | 80% | 21% | 94% |
Growth
Total assets grew 17.2% a year over the last 5 years and 12.1% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2022 | Bank of St. Elizabeth Saint Elizabeth, MO, an affiliate under the same holding company | $226M |
Where they operate
11 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cole County, MO | $604M | 10.2% | 2 of 12 |
| Osage County, MO | $203M | 35.4% | 2 of 4 |
| Miller County, MO | $84M | 20.5% | 3 of 5 |
| Callaway County, MO | $45M | 6.1% | 5 of 5 |
| Boone County, MO | $40M | 0.7% | 17 of 23 |
| Camden County, MO | $33M | 0.9% | 10 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (5 to 11, +120.0%). 3 opened, 4 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2017 | Opened LinnClosed Wardsville | 1 | 1 | 0 | 5 |
| 2020 | Opened Jefferson City | 1 | 0 | +1 | 6 |
| 2022 | Acquired Bank of St. Elizabeth | 4 | 0 | +4 | 10 |
| 2025 | Opened Columbia | 1 | 0 | +1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 29% | 20% | |
| Commercial real estate | 25% | 31% | |
| Construction and land | 18% | 10% | |
| Business (C&I) | 17% | 18% | |
| Farmland | 6% | 5% | |
| Multifamily | 4% | 7% | |
| Consumer | 2% | 4% | |
| Agricultural | 1% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 48% | |
| Noninterest-bearing | 26% | 19% | |
| Time deposits | 22% | 34% |
Brokered deposits are 0.0% of deposits (peers 8.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.89% | 0.63% |
| Net charge-offs, annualized | -0.00% | 0.04% |
| Reserves to loans | 1.14% | 1.30% |
| Leverage ratio | 10.76% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Cole County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/mid-america-bank-jefferson-city-mo