SULLIVAN BANK
Sullivan, Missouri, Franklin County
$1.4B in total assets, the 805th largest of 4,309 US banks and 25th of 195 headquartered in Missouri.
- FDIC certificate
- 8892
- Established
- 1895
- Owned by
- Mid-missouri Holding Co Inc
- Primary regulator
- FDIC
- Website
- www.sullivanbank.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 | $1.4B | 38% | $1.8B | |
| Loans | $1.2B | 48% | $1.4B | |
| Deposits | $1.2B | 38% | $1.5B | |
| Return on assets | 1.16% | 31% | 1.32% | |
| Net interest margin | 3.46% | 21% | 3.87% | |
| Efficiency ratio | 54.5% | 45% | 56.8% | |
| Equity to assets | 8.56% | 10% | 10.99% | |
| Loans to deposits | 97% | 59% | 93% |
Growth
Total assets grew 16.0% a year over the last 5 years and 12.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2012 | Community Bank of the Ozarks Sunrise Beach, MO | $43M |
| Jun 1997 | American Federal Savings and Loan Association of Sullivan Sullivan, MO | $18M |
| Oct 1994 | Meramec State Bank Sullivan, MO | $15M |
Where they operate
11 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Franklin County, MO | $710M | 18.1% | 2 of 17 |
| Greene County, MO | $163M | 1.2% | 20 of 35 |
| St. Louis County, MO | $119M | 0.2% | 36 of 55 |
| Crawford County, MO | $93M | 19.3% | 3 of 5 |
| Camden County, MO | $90M | 2.3% | 5 of 11 |
| Cole County, MO | $49M | 0.8% | 11 of 12 |
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 2 branches since 2016 (9 to 11, +22.2%). 3 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2017 | Closed Chesterfield | 0 | 1 | −1 | 8 |
| 2021 | Opened Eureka and St. Clair | 2 | 0 | +2 | 10 |
| 2024 | Opened Jefferson City | 1 | 0 | +1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 41% | 20% | |
| Commercial real estate | 21% | 31% | |
| Construction and land | 18% | 10% | |
| Multifamily | 10% | 7% | |
| Business (C&I) | 7% | 18% | |
| Consumer | 2% | 4% | |
| Farmland | 1% | 6% | |
| Agricultural | 0% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 60% | 33% | |
| Other interest-bearing | 32% | 48% | |
| Noninterest-bearing | 9% | 19% |
Brokered deposits are 6.0% of deposits (peers 8.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.45% | 0.63% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 1.20% | 1.30% |
| Leverage ratio | 8.75% | 10.93% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Franklin 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/sullivan