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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Mid-missouri Bank

Springfield, Missouri · $947M in assets · beside the 11 other Missouri banks between $300M and $1B

The filing

0.07%
NPA / loans
2nd of 11
16.5x
Coverage of noncurrent
2nd of 11
10.6%
Equity / assets
4th of 12

Mid-missouri Bank is the fifth largest of the 12 Missouri banks nearest its size between $300M and $1B, with $947M in assets at 30 June 2026. Loans are 80.5% of deposits, 5th of 12 against a median of 92.1%, and equity is 10.6% of assets, 4th of 12. Loans grew +3.2% in the year, 7th of 11, and deposits grew 1.9%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 0.07% of the book, 2nd of 11 against a median of 0.45%; 0.11% is 30 to 89 days past due, and the allowance covers them 16.5 times. Commercial real estate is 35.7% of loans, 7th of 11 against a median of 32.5%, and 222% of capital, below the 300% screen, with construction at 55% against the 100% screen.

Return on assets is 1.63%, 5th of 12 against a median of 1.54%, on an efficiency ratio of 59.0%, 7th of 12. Five years ago it was 1.18%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansMO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.45% Bo Bank of Old Monroe 0.00% MB Mid-missouri Bank 0.07% FB Freedom Bank of Southern Missouri 0.13% BR Blue Ridge Bank & Trust Co. 0.13% PS Peoples Savings Bank of Rhineland 0.29% FF First Federal Bank of Kansas County 0.45% LB Lindell Bank & Trust Co. 0.58% FB Focus Bank 0.85% AB American Bank of Freedom 1.54% PB Peoples Bank & Trust Co. 2.27% MR Midwest Regional Bank 6.61%
Loans, year over yearMO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.0% Bo Bank of Old Monroe +21.1% PS Peoples Savings Bank of Rhineland +20.2% FB Freedom Bank of Southern Missouri +18.5% BR Blue Ridge Bank & Trust Co. +7.1% PB Peoples Bank & Trust Co. +5.7% LB Lindell Bank & Trust Co. +5.0% MB Mid-missouri Bank +3.2% FF First Federal Bank of Kansas County +1.0% FB Focus Bank +0.2% AB American Bank of Freedom -9.2% MR Midwest Regional Bank -16.8%

SBA 7(a), FY2008 to FY2026

Mid-missouri Bank is the 79th largest 7(a) lender into Missouri of 444, with $17M across 96 loans, 0.2% of everything approved in the state (Oakstar Bank leads with $556M). 11 of its 15 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Greene, MO$5M20th of 800.6%+0.2 pts
Lawrence, MO$3M10th of 284.4%+6.9 pts
Jasper, MO$3M18th of 581.1%quiet FY2018
Cedar, MO$2M2nd of 1813.8%quiet FY2018
Laclede, MO$2M7th of 204.2%quiet FY2020
Christian, MO$1M18th of 520.7%quiet FY2019
Washington, AR$575K59th of 920.2%quiet FY2022
Polk, MO$513K11th of 230.9%thin
Vernon, MO$484K10th of 163.2%quiet FY2020
Stone, MO$236K18th of 240.6%thin
Dallas, MO$131K11th of 150.9%quiet FY2011
Webster, MO$110K23rd of 290.3%quiet FY2018
Taney, MO$100K57th of 590.1%quiet FY2016
2 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade9$3M17.3%0.01%943rd of 2,589
Other services12$2M10.5%0.01%909th of 2,248
Transportation & warehousing14$2M10.4%0.01%571st of 1,563
Manufacturing9$2M9.5%0.00%1164th of 2,246
Agriculture, forestry & fishing4$2M9.4%0.02%354th of 1,007
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Mid-missouri Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans MB Mid-missouri Bank 0.2% $17M · 96 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Mid-missouri BankRankCohort median
Total CRE against capital, the 300% screen222%8th of 12196%
Construction against capital, the 100% screen55%4th of 1268%
Construction and land development, share of loans8.9%3rd of 1111.4%
Non-owner-occupied nonfarm nonresidential, share of loans24.2%11th of 1114.1%
Total CRE, the guidance definition, share of loans35.7%7th of 1132.5%
CRE growth over 36 months, the third prong+4.2%2nd of 11+48.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bank of Old Monroe$995M1.5%46.6%0.00%-0.04%1.7%73.0%7.1%
First Federal Bank of Kansas County$993M0.4%84.3%0.45%0.29%1.3%111.1%10.7%
Midwest Regional Bank$949M-1.4%69.2%6.61%3.20%2.5%91.2%10.5%
American Bank of Freedom$948M0.6%70.9%1.54%0.05%1.3%95.0%10.3%
Mid-missouri Bank$947M1.6%59.0%0.07%0.04%1.2%80.5%10.6%
Lindell Bank & Trust Co.$915M2.7%46.0%0.58%-0.05%2.7%77.1%18.0%
Stifel Trust Co. N.A.$911M3.3%38.9%no recordno recordno record0.0%5.8%
Peoples Bank & Trust Co.$908M1.5%51.8%2.27%0.01%1.6%62.2%8.7%
Blue Ridge Bank & Trust Co.$867M1.4%56.8%0.13%0.00%1.7%93.2%9.9%
Peoples Savings Bank of Rhineland$854M1.2%64.8%0.29%-0.01%1.1%96.7%8.4%
Focus Bank$854M1.7%64.4%0.85%0.05%1.2%104.9%12.1%
Freedom Bank of Southern Missouri$850M1.9%51.2%0.13%0.04%0.9%92.9%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mid-missouri BankCohort median
20212026Change20212026Change
Loans$541M$680M+26%$428M$676M+58%
Deposits$786M$844M+7%$616M$748M+22%
NPA / loans0.15%0.07%-0.08 pts0.34%0.45%+0.11 pts
Efficiency63.0%59.0%-4.0 pts63.6%57.9%-5.8 pts
ROA1.18%1.63%+0.45 pts1.24%1.54%+0.30 pts

This read was prepared for Mid-missouri Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Mid-missouri Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution www.midmobank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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