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800-720-7178
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 3,829th largest bank in the nation. It was established in 1920 and as of December of 2013, it had grown to 53 employees at 3 locations. Mid America Bank & Trust Co has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Mid America Bank & Trust Co had $772,000 in non-current loans and owned real-estate with $17.82 million in equity and loan loss allowances on hand to cover it. This gives Mid America Bank & Trust Co a Texas Ratio of 4.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Mid America Bank & Trust Co decreased dramatically from 7.27% as of December 31, 2012 to 4.33% as of December 31, 2013, resulting in a positive change of 40.44%.This indicates that the balance sheet and financial strength for Mid America Bank & Trust Co has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Mid America Bank & Trust Co has increased its total deposits by $3.64 million, resulting in 3.07% 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 excellent.

Capitalization

GRADE:
A+

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 $143.09 million in assets with $17.82 million in equity, resulting in a capitalization level of 12.46%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #1624
Year Established1920
Employees53
Primary RegulatorFED
Assets and Liabilities
Assets$143.09 million
Loans$94.24 million
Deposits$122.42 million
Equity Capital$16.93 million
Loan Loss Allowance$895,000
Unbacked Noncurrent Loans$167,000
Real Estate Owned$605,000
Historic Data - December 2012
Assets$137.89 million
Equity Capital$16.17 million
Loan Loss Allowance$962,000
Unbacked Noncurrent Loans$167,000
Real Estate Owned$789,000
Profit Margin - Quarterly
Net Interest Margin4.23%
Return on Assets2.26%
Return on Equity19.72%
Interest Income$6.52 million
Rates
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Mid America Bank & Trust Co Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.52%--Eagle's Nest Savings

Mid America Bank & Trust Co Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.53%-$25kMaximum Free Checking
0.10%--Maximum Free Checking
Locations


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