Sullivan Bank
Sullivan, Missouri · FDIC Cert #8892
Sullivan Bank is an FDIC-insured bank (Certificate #8892) with $1.1B in total assets and $992M in total deposits as of the Q2 2024 Call Report. Headquartered in Sullivan, Missouri, the bank maintains a Tier 1 capital ratio of 11.26% (Well-Capitalized) and a nonperforming loan ratio of 1.29%. BankHealthData assigns a composite Health Grade of C (61/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sullivan Bank (FDIC cert 8892) is a mid-sized bank with $1.1B in total assets and $992M in deposits, based in Sullivan, Missouri. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.26% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.29% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 11.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.40% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Sullivan Bank carries a composite BankHealth grade of C (61/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Sullivan Bank
- Total Assets
- $1.1B
- Total Deposits
- $992M
- Tier 1 Capital Ratio
- 11.26%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.29%
- Liquidity Ratio
- 11.57%
- Return on Assets
- 1.40%
- Headquarters
- Sullivan, Missouri
- FDIC Certificate
- #8892
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sullivan Bank holds a Tier 1 capital ratio of 11.26%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Sullivan Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Sullivan Bank shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Sullivan Bank Compares
Sullivan Bank’s Health Score of 61 is 6 points below the Missouri state average of 67 across 193 FDIC-insured banks. Its 11.26% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 1.29% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.40% is in line with or above the national ROA benchmark of ~1.1%. Among 942 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Sullivan Bank is 9 points below the portfolio average of 70.
Frequently Asked Questions
Sullivan Bank has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.26%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Sullivan Bank's Tier 1 capital ratio of 11.26% and nonperforming loan ratio of 1.29% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Sullivan Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8892). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Sullivan Bank holds $1.1B in total assets and $992M in total deposits. It is headquartered in Sullivan, Missouri (FDIC Certificate #8892).
Sullivan Bank has a Tier 1 capital ratio of 11.26%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.29%, and the return on assets is 1.40%.
Yes. Sullivan Bank is FDIC-insured (Certificate #8892). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Sullivan Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.