🏦Bank Scorer

MID AMERICA BANK

JEFFERSON CITY, MO · Supervised by FDIC

Est. 1914FDIC #11,459RSSD: FDIC-11459
Part ofFRIENDSHIP BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.19%

Institution Profile

FDIC BankFind

Address

1511 Friendship Rd, JEFFERSON CITY, MO

County

Cole County

Established

April 12, 1914

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$800M

Net Income

$6M

ROA

2.19%

ROE

19.22%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.28%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$808M

1-Year Change

+1

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436076.94%5.28%
202335674.44%9.27%
202233481.44%8.68%
202145873.8%6.99%
202059580.17%5.71%
201935574.37%8.73%
201836371.07%9.37%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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