Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #8892 · Sullivan, Missouri · Est. 1895
SULLIVAN BANK - FDIC Bank Health Profile
A community-scale look at SULLIVAN BANK's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.3B
- Total assets
- B
- Health grade · Good
- 1.13%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
SULLIVAN BANK earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.52% Tier 1, profitable at 1.13% ROA, efficient (57% cost ratio).
- #842
- largest of 4,313 FDIC banks by assets
- 81st
- percentile by asset size, nationally
- 11.52%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How SULLIVAN BANK's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SULLIVAN BANK's composite health score
Tier 1 Capital Ratio (11.52%) 28/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (15.52%) 10/20
Efficiency Ratio (57.33%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$1.1B
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SULLIVAN BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SULLIVAN BANK's score of 70/100 falls in the highlighted band.
SULLIVAN BANK's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SULLIVAN BANK's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.52%
Texas Ratio
15.52%
Equity Capital
$113M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
13.05%
Efficiency Ratio
57.33%
What the numbers say about SULLIVAN BANK
SULLIVAN BANK is an FDIC-insured institution (Certificate #8892) headquartered in Sullivan, Missouri, established in 1895. It holds $1.3B in total assets - 842nd of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $1.1B in net loans. Looking at capital strength, Tier 1 stands at 11.52%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 15.52%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, SULLIVAN BANK ranks 26th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$76M
Interest Income
$5M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SULLIVAN BANK reports a Texas Ratio of 15.52% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SULLIVAN BANK (FDIC Cert #8892) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is SULLIVAN BANK's health grade?▼
SULLIVAN BANK receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is SULLIVAN BANK?▼
SULLIVAN BANK holds $1.3B in total assets and $1.2B in deposits, ranking 842nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Sullivan, Missouri.
Is my money safe at SULLIVAN BANK?▼
Yes, deposits at SULLIVAN BANK (Certificate #8892) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SULLIVAN BANK's Tier 1 Capital Ratio?▼
SULLIVAN BANK has a Tier 1 Capital Ratio of 11.52%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for SULLIVAN BANK?▼
SULLIVAN BANK has a Texas Ratio of 15.52%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SULLIVAN BANK?▼
SULLIVAN BANK has an Efficiency Ratio of 57.33%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SULLIVAN BANK's profile as a depositor or analyst.
- SULLIVAN BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SULLIVAN BANK against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.