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Overview / Commentary
216 West Second Street
Dixon, MO 65459

Mid America Bank & Trust Co is headquartered in Dixon and is the 147th largest bank in the state of Missouri. It is also the 3,805th largest bank in the nation. It was established in 1920 and as of March of 2014, it had grown to 62 employees at 3 locations. Mid America Bank & Trust Co has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mid America Bank & Trust Co had $1.2 million in non-current loans and owned real-estate with $19.76 million in equity and loan loss allowances on hand to cover it. This gives Mid America Bank & Trust Co a Texas Ratio of 6.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mid America Bank & Trust Co experienced no significant changes from 6.00% as of March 31, 2013 to 6.08% as of March 31, 2014, resulting in a negative change of 1.24%. This indicates that the balance sheet and financial strength for Mid America Bank & Trust Co has had no significant changes in recent periods.

Deposit Growth


In the past year, Mid America Bank & Trust Co has increased its total deposits by $1.61 million, resulting in 1.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mid America Bank & Trust Co has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mid America Bank & Trust Co has $144.78 million in assets with $19.76 million in equity, resulting in a capitalization level of 13.65%, which is excellent.

Institution Statistics

FDIC Certificate #1624
Year Established1920
Primary RegulatorFED
Assets and Liabilities
Assets$144.78 million
Loans$93.72 million
Deposits$123.40 million
Equity Capital$18.70 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$596,000
Real Estate Owned$605,000
Historic Data - March 2013
Assets$141.32 million
Equity Capital$16.51 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$596,000
Real Estate Owned$635,000
Profit Margin - Quarterly
Return on Assets2.96%
Return on Equity23.89%
Interest Income$1.57 million
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Mid America Bank & Trust Co Savings Account Rates

0.52%--Eagle's Nest Savings

Mid America Bank & Trust Co Checking Account Rates

2.53%-$25kMaximum Free Checking - Qualifying
0.10%--Maximum Free Checking - Non Qualifying

Mid America Bank & Trust Co Locations
Mid America Bank & Trust Company216 West Second StreetDixon, MO 65459
St. Robert Branch434 Highway YWaynesville, MO 65583
Rolla Branch960 South BishopRolla, MO 65402