Compared with Missouri
7 of 20
compared fees are above the median.
5 below, 8 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
72nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Missouri median
of 20 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Mid-Missouri Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mid-Missouri Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (72nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $411K in Q2 2026, 5.1% above the same quarter a year earlier ($391K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 20 compared published fees sit above the Missouri median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Missouri medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Stop Payment
Leaves out 1 fee charged on a different basis filed under this fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.6% from Q3 2025 to Q2 2026, to $411K. Its share of revenue, 3.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$411K
Mid-Missouri BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Mid-Missouri Bank · $947M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mid-Missouri Bank(this institution) | Springfield, MO | $947M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Bank & Trust Company, Inc. | Bowling Green, KY | $924M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Botetourt | Buchanan, VA | $939M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank | Little Rock, AR | $955M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dream First Bank, National Association | Syracuse, KS | $964M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank & Trust Co. | Duncan, OK | $952M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commerce Bank | Lewisburg, TN | $935M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Bank of Tennessee | Shelbyville, TN | $944M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First National Bank and Trust Company of Weatherford | Weatherford, TX | $968M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Northern Bank and Trust Company | Palmerton, PA | $921M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Bank | Waynesboro, MS | $952M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Franklin Savings Bank | Franklin, NH | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenfield Banking Company | Greenfield, IN | $930M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Legends Bank | Clarksville, TN | $928M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oxford Bank | Oxford, MI | $931M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Passumpsic Savings Bank | Saint Johnsbury, VT | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| StonehamBank, A Co-operative Bank | Stoneham, MA | $918M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Bank | Henderson, TX | $954M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Heritage National Bank | Daingerfield, TX | $936M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Farmers & Merchants Bank | Berlin, WI | $949M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Farmers Bank | Portland, TN | $943M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Granbury | Granbury, TX | $946M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The First National Bank of Middle Tennessee | Mcminnville, TN | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Juniata Valley Bank | Mifflintown, PA | $918M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Killbuck Savings Bank Company | Killbuck, OH | $954M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Winchester Co-operative Bank | Winchester, MA | $947M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.98 among 12 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
Mid-Missouri Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Mid-Missouri Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $411K | +$21K | +5.4% |
| Q1 2026 | $390K | −$38K | −8.9% |
| Q4 2025 | $428K | −$12K | −2.7% |
| Q3 2025 | $440K | +$49K | +12.5% |
| Q2 2025 | $391K | +$10K | +2.6% |
| Q1 2025 | $381K | −$45K | −10.6% |
| Q4 2024 | $426K | +$25K | +6.2% |
| Q3 2024 | $401K | +$221K | +122.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Mid-Missouri Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Mid-Missouri Bank by share.
Amounts from Mid-Missouri Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per year
per item
per hour
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance per hour (One hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research per hour (One hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Savings Withdrawals in excess of eighteen (18) per statement | $1Below the U.S. middle 50% ($6.44 to $25 nationally) | per item | None |
| Returned Statements | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (Item Returned) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Extended Overdraft Fee (One-time charge at 10 consecutive calendar days overdrawn) | $35Not compared: One-time charge, not daily | one time | None |
ATM & Card | |||
| Inquiry (Mid-MO Customer at non Mid-MO ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Withdrawal (Non Mid-MO ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM or Debit Card Replacement/Hot Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment Annual Review | $40Not compared: Annual charge, not per item | per year | None |
| Stop Payment | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection items-per item (Incoming/Outgoing) | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $0.10Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Notice of Change/Return | $4Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Unpaid (Chargeback) | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary (Customers) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary (Non-Customers) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment | $35Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Levy | $35Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Subpoena/Summons Appearance | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Copy of Statement/Account Activity | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement/Account Activity (Online) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Faxes (Incoming/Outgoing): First 2 pages | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per year
per item
per item
per item
per hour
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance per hour (One hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research per hour (One hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Savings Withdrawals in excess of eighteen (18) per statement | $1Below the U.S. middle 50% ($6.44 to $25 nationally) | per item | None |
| Returned Statements | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (Item Returned) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Extended Overdraft Fee (One-time charge at 10 consecutive calendar days overdrawn) | $35Not compared: One-time charge, not daily | one time | None |
ATM & Card | |||
| Inquiry (Mid-MO Customer at non Mid-MO ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Withdrawal (Non Mid-MO ATM) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM or Debit Card Replacement/Hot Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment Annual Review | $40Not compared: Annual charge, not per item | per year | None |
| Stop Payment | $40Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection items-per item (Incoming/Outgoing) | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $0.10Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Notice of Change/Return | $4Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
| Small Business Mobile Check Deposit | $0.50 | per item | None |
Cash & Deposit | |||
| Returned Unpaid (Chargeback) | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary (Customers) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary (Non-Customers) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment | $35Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Levy | $35Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Subpoena/Summons Appearance | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Copy of Statement/Account Activity | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement/Account Activity (Online) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Faxes (Incoming/Outgoing): First 2 pages | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Mid-Missouri Bank operates, and what regulators and customers have on file.
Branch footprint
13 offices in 1 state, $844.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $394.8M | |
| Outside a metro area | 4 | $334.9M |
| 3 | $114.6M |
Springfield, MO
2.2% of bank deposits, #14 of 41, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Great Southern Bank | 11.5% |
| Guaranty Bank | 9.6% |
| Omb Bank | 9.3% |
| The Central Trust Bank | 8.9% |
| Oakstar Bank | 7.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Springfield, MO, Mid-Missouri Bank holds 2.2% of bank deposits, #14 of 41, with 6 offices.
205 offices of 51 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 41 institutions shown. $17.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.2% share, 6 offices, #14 of 41
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
30 offices of 10 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.