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Sullivan Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 19, 2026
Sullivan Bank's 60-Months 60-Month Special CD rates are at 4.30%, 60-Months Special 60-Month Special CD rates are at 4.30%, 22-Months 22-Month Special CD rates are at 4.20%, 22-Months Special 22-Month Special CD rates are at 4.20%, 11-Months 11-Month Special CD rates are at 4.10%. Sullivan Bank's savings rates are at 0.10%. Sullivan Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Sullivan Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.43%. Rates last updated and verified on 09/19/2026.
Sullivan Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sullivan Bank? Share your experience about Sullivan Bank by leaving a review below, or read customer reviews before you decide to use Sullivan Bank.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 91/100
Overall Health & Safety Grade
Sullivan Bank has earned an overall safety grade of A- (Very Good, Score: 91/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Sullivan Bank has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
16.43%
GoodHigher than avg
Sullivan Bank Texas Ratio
Sullivan Bank's Texas Ratio is 16.43%, which is considered good and is higher than the national average of 5.85%.
While Sullivan Bank has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.14% to 16.43% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.9, Health Grade A to A-
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsPublished APY range: 0.44%-1.00%. APY is calculated using the daily balance method, based on minimum balance requirements. Rates are subject to change without notice after account opening, and certain fees may reduce account earnings.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Regular Savings
-
0.10%
Min Deposit$100
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Sullivan Bank Money Market Rates
Product
Rate
APY
View More
Premium Money Market
-
3.50%
Min Deposit$2,500
DetailsBalances over $250,000 accrue at a rate of 3.50 % APY*. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle. Other fees may apply and could reduce earnings on the account.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Premium Money Market
-
3.25%
Min Deposit$2,500
DetailsBalances of $100,000 to $249,999.99 accrue at a rate of 3.25% APY*. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle. Other fees may apply and could reduce earnings on the account.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Premium Money Market
-
3.00%
Min Deposit$2,500
DetailsBalances of $50,000 to $99,999.99 accrue at a rate of 3.00% APY*. Rates may change after account opening. Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. There will be a $10 fee for each withdrawal in excess of eight per statement cycle. Other fees may apply and could reduce earnings on the account.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Sullivan Bank Checking Rates
Product
Rate
APY
View More
Checking Account
-
5.00%
Min Deposit$100
DetailsQualifications Required: 12 or more Debit Card POS (Point of Sale) transactions totaling a minimum dollar amount of $300 during the statement cycle; accept electronic delivery of monthly eStatements (requires a valid e-mail address); at least one direct deposit or direct debit clear the account during the statement cycle; log into Online Banking at least once during the statement cycle; No Minimum Balance required to maintain the account. Rates may change after account opening. Limited to 2 accounts per individual listed as primary account owner. Additional terms and conditions may apply. Message and data rates may apply. Contact a Retail Specialist for more information.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Priority Plus Checking
-
5.00%
Min Deposit$100
Min Balance$0
DetailsQualifications Required: 5.00% Qualified; Balances under $25,000; Balances under $25,000; Qualified
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Priority Plus Checking
-
5.00%
Min Deposit$100
Min Balance$25,000
DetailsBalance: Balances under $25,000; Qualifications Required: Qualified; Balances under $25,000; Qualified; Balances under $25,000
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.40%
Min Deposit$2,500
Min Balance$100,000
Details$100,000 & over
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.35%
Min Deposit$2,500
Min Balance$50,000
Details$50,000-$99,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.35%
Min Deposit$2,500
Min Balance$50,000
Details$50,000-$99,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.15%
Min Deposit$2,500
Min Balance$25,000
Details$25,000-$49,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.10%
Min Deposit$2,500
Min Balance$2,500
Details$2,500-$9,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.10%
Min Deposit$2,500
Min Balance$10,000
Details$10,000-$24,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.10%
Min Deposit$2,500
Min Balance$2,500
Details$2,500-$9,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.10%
Min Deposit$2,500
Min Balance$10,000
Details$10,000-$24,999
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Checking Account
-
0.05%
Min Balance$25,000
DetailsNon-Qualified or Balances over $25,000 will earn 0.05% APY. Rates may change after account opening. Limited to 2 accounts per individual listed as primary account owner. Additional terms and conditions may apply. Message and data rates may apply. Contact a Retail Specialist for more information.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Money Market Checking
-
0.05%
Min Deposit$2,500
Min Balance$0
DetailsUnder $2,500
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Priority Plus Checking
-
0.05%
Min Deposit$100
Min Balance$25,000
DetailsQualifications Required: 0.05% Qualified; Balances over $25,000; Balances over $25,000; Qualified
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Priority Plus Checking
-
0.05%
Min Deposit$100
Min Balance$25,000
DetailsBalance: Balances over $25,000; Qualifications Required: Qualified; Balances over $25,000; Qualified; Balances over $25,000
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Priority Plus Checking
-
0.05%
Min Deposit$100
Min Balance$0
DetailsQualifications Required: Non-Qualified; No minimum balance; Non-Qualified; No minimum balance
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
50+ Free Interest Checking
-
0.01%
Min Deposit$50
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Sullivan Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Cash Rewards
-
-
0.55%
DetailsPublished APY range: 0.55%-3.00%. APY is calculated using the daily balance method, based on minimum balance requirements. Rates are subject to change without notice after account opening, and certain fees may reduce account earnings.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Cash Rewards with Savings Rewards
-
-
3.00%
Min Deposit$100
Min Balance$0
DetailsQualifications Required: 3.00% Qualified; Balances up to $10,000; Balances up to $10,000; Qualified
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Cash Rewards with Savings Rewards
-
-
0.30%
Min Deposit$100
Min Balance$10,000
DetailsQualifications Required: 0.30% Qualified; Balances over $10,000; Balances over $10,000; Qualified
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Cash Rewards with Savings Rewards
-
-
3.00%
Min Deposit$100
Min Balance$10,000
DetailsBalance: Balances up to $10,000; Qualifications Required: Qualified; Balances up to $10,000; Qualified; Balances up to $10,000
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Cash Rewards with Savings Rewards
-
-
0.30%
Min Deposit$100
Min Balance$10,000
DetailsBalance: Balances over $10,000; Qualifications Required: Qualified; Balances over $10,000; Qualified; Balances over $10,000
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Cash Rewards with Savings Rewards
-
-
0.05%
Min Deposit$100
Min Balance$0
DetailsQualifications Required: Non-Qualified; No minimum balance; Non-Qualified; No minimum balance
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Cash Rewards with Savings Rewards
-
-
0.05%
Min Deposit$100
DetailsQualifications Required: 0.05% Non-Qualified; No minimum balance; No minimum balance; Non-Qualified
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
K.I.D.
-
-
0.10%
Min Deposit$25
Details$.
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Savings Rewards with Cash Rewards
-
-
1.00%
Min Deposit$10
Min Balance$0
DetailsQualifications Required: 1.00% Qualified; Balances up to $25,000; Balances up to $25,000; Qualified
DetailsBalance: No minimum balance is required to earn 0.30%; Qualifications Required: Non-Qualified; No minimum balance is required to earn 0.30%; Non-Qualified; No minimum balance is required to earn 0.30%
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Savings Rewards with Cash Rewards
-
-
0.30%
Min Deposit$10
DetailsQualifications Required: 0.30% Non-Qualified; No minimum balance is required to earn 0.30%; No minimum balance is required to earn 0.30%; Non-Qualified
Last Updated09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.43%
Financial Health History
Sullivan Bank’s Texas Ratio rose from 7.14% in Q3 2023 to 16.43% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.4B
16.43%
4.9
A-
March 31, 2026
$1.3B
18.49%
4.7
B+
December 31, 2025
$1.3B
20.38%
4.6
B
September 30, 2025
$1.3B
20.26%
4.6
B
June 30, 2025
$1.3B
16.62%
4.9
A-
March 31, 2025
$1.2B
17.38%
4.8
B+
December 31, 2024
$1.2B
16.16%
4.9
A-
September 30, 2024
$1.2B
18.20%
4.7
B+
June 30, 2024
$1.1B
16.43%
4.9
A-
March 31, 2024
$1.1B
16.82%
4.9
A-
December 31, 2023
$990M
6.40%
5.0
A
September 30, 2023
$1.1B
7.14%
5.0
A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Sullivan Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Sullivan Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Sullivan Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameSullivan Bank
Bank Holding CompanyMID-MISSOURI HOLDING CO INC
Address
318 W Main St,
Sullivan, MO 63080 · Franklin
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Sullivan Bank
Frequently Asked Questions About Sullivan Bank
How many branches does Sullivan Bank operate?
Sullivan Bank currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Sullivan Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Sullivan Bank provides members with tools to manage their accounts and build a solid financial history.
Does Sullivan Bank offer online and mobile banking?
Most modern institutions like Sullivan Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sullivanbank.com.
Current Sullivan Bank Rates
12-Month CD0.50%
18-Month CD0.50%
24-Month CD0.50%
36-Month CD0.50%
48-Month CD0.50%
60-Month CD4.30%
Savings0.10%
MMA0.05%
Retrieved from our database of financial products. Rates subject to change.