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Sullivan Bank Rates & Review September 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 Health Score: 91/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
16.43%
Good Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
SULLIVAN BANK
318 W Main St
Sullivan, MO 63080
https://www.sullivanbank.com
Member FDIC

Sullivan Bank CD Rates

Product Rate APY Term View More
60 month Special CD 4.23% 4.30% 60 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
60 month Special CD 4.23% 4.30% 60 Months Special
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
22 month Special CD 4.13% 4.20% 22 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
22 month Special CD 4.13% 4.20% 22 Months Special
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
11 month Special CD 4.04% 4.10% 11 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
11 month Special CD 4.04% 4.10% 11 Months Special
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
5 month Special CD 3.94% 4.00% 5 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
5 month Special CD 3.94% 4.00% 5 Months Special
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
1 Year CD 0.50% 0.50% 1 Year
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
18 Month CD 0.50% 0.50% 18 Months
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
2 Year CD 0.50% 0.50% 2 Years
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
3 Year CD 0.50% 0.50% 3 Years
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
4 Year CD 0.50% 0.50% 4 Years
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 1 Year 0.50% 0.50% 1 Year
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 18 month 0.50% 0.50% 18 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 2 Years 0.50% 0.50% 2 Years
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 3 Years 0.50% 0.50% 3 Years
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 4 Years 0.50% 0.50% 4 Years
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
3 Month CD 0.25% 0.25% 3 Months
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
6 Month CD 0.25% 0.25% 6 Months
Min Deposit $1,000
Details Available as IRA in Branch
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 3 month 0.25% 0.25% 3 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Certificates of Deposit - 6 month 0.25% 0.25% 6 Months
Min Deposit $1,000
Details Available as IRA in Branch:
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%

Sullivan Bank Savings Rates

Product Rate APY View More
Health Savings Account (HSA) - 0.50%
No additional details.
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Saver Rewards - 0.44%
Details Published 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 Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Regular Savings - 0.10%
Min Deposit $100
Last Updated 09/19/2026
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
Details Balances 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 Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Premium Money Market - 3.25%
Min Deposit $2,500
Details Balances 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 Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Premium Money Market - 3.00%
Min Deposit $2,500
Details Balances 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 Updated 09/19/2026
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
Details Qualifications 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 Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Priority Plus Checking - 5.00%
Min Deposit $100
Min Balance $0
Details Qualifications Required: 5.00% Qualified; Balances under $25,000; Balances under $25,000; Qualified
Last Updated 09/19/2026
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
Details Balance: Balances under $25,000; Qualifications Required: Qualified; Balances under $25,000; Qualified; Balances under $25,000
Last Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
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 Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Checking Account - 0.05%
Min Balance $25,000
Details Non-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 Updated 09/19/2026
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
Details Under $2,500
Last Updated 09/19/2026
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
Details Qualifications Required: 0.05% Qualified; Balances over $25,000; Balances over $25,000; Qualified
Last Updated 09/19/2026
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
Details Balance: Balances over $25,000; Qualifications Required: Qualified; Balances over $25,000; Qualified; Balances over $25,000
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Priority Plus Checking - 0.05%
Min Deposit $100
Min Balance $0
Details Qualifications Required: Non-Qualified; No minimum balance; Non-Qualified; No minimum balance
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
50+ Free Interest Checking - 0.01%
Min Deposit $50
Last Updated 09/19/2026
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%
Details Published 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 Updated 09/19/2026
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
Details Qualifications Required: 3.00% Qualified; Balances up to $10,000; Balances up to $10,000; Qualified
Last Updated 09/19/2026
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
Details Qualifications Required: 0.30% Qualified; Balances over $10,000; Balances over $10,000; Qualified
Last Updated 09/19/2026
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
Details Balance: Balances up to $10,000; Qualifications Required: Qualified; Balances up to $10,000; Qualified; Balances up to $10,000
Last Updated 09/19/2026
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
Details Balance: Balances over $10,000; Qualifications Required: Qualified; Balances over $10,000; Qualified; Balances over $10,000
Last Updated 09/19/2026
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
Details Qualifications Required: Non-Qualified; No minimum balance; Non-Qualified; No minimum balance
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Cash Rewards with Savings Rewards - - 0.05%
Min Deposit $100
Details Qualifications Required: 0.05% Non-Qualified; No minimum balance; No minimum balance; Non-Qualified
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
K.I.D. - - 0.10%
Min Deposit $25
Details $.
Last Updated 09/19/2026
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
Details Qualifications Required: 1.00% Qualified; Balances up to $25,000; Balances up to $25,000; Qualified
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Savings Rewards with Cash Rewards - - 0.30%
Min Deposit $10
Min Balance $25,000
Details Qualifications Required: 0.30% Qualified; Balances above $25,000; Balances above $25,000; Qualified
Last Updated 09/19/2026
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 $25,000
Details Balance: Balances up to $25,000; Qualifications Required: Qualified; Balances up to $25,000; Qualified; Balances up to $25,000
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Savings Rewards with Cash Rewards - - 0.30%
Min Deposit $10
Min Balance $25,000
Details Balance: Balances above $25,000; Qualifications Required: Qualified; Balances above $25,000; Qualified; Balances above $25,000
Last Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Savings Rewards with Cash Rewards - - 0.30%
Min Deposit $10
Min Balance $0
Details Balance: 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 Updated 09/19/2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
Texas Ratio: 16.43%
Savings Rewards with Cash Rewards - - 0.30%
Min Deposit $10
Details Qualifications 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 Updated 09/19/2026
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.

0% 1.0★ 7% 2.0★ 14% 3.0★ 21% 4.0★ 28% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 7.14% A Q3 2023 A Q4 2023 A- Q1 2024 A- Q2 2024 B+ Q3 2024 A- Q4 2024 B+ Q1 2025 A- Q2 2025 B Q3 2025 B Q4 2025 B+ Q1 2026 16.43% A- Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.4B16.43%4.9A-
March 31, 2026$1.3B18.49%4.7B+
December 31, 2025$1.3B20.38%4.6B
September 30, 2025$1.3B20.26%4.6B
June 30, 2025$1.3B16.62%4.9A-
March 31, 2025$1.2B17.38%4.8B+
December 31, 2024$1.2B16.16%4.9A-
September 30, 2024$1.2B18.20%4.7B+
June 30, 2024$1.1B16.43%4.9A-
March 31, 2024$1.1B16.82%4.9A-
December 31, 2023$990M6.40%5.0A
September 30, 2023$1.1B7.14%5.0A
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 Name Sullivan Bank
Bank Holding Company MID-MISSOURI HOLDING CO INC
Address 318 W Main St, Sullivan, MO 63080  ·  Franklin
FDIC Certificate # 8892
Established 18950401
FDIC Insurance Date 19340101
Domestic Offices 11
Total Branches 11
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-
Overall Health Grade Score: 91/100
4.9
Exceptional Out of 5.0 Stars
16.43%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.1291%
Return on Equity (ROE) 13.0300%
Non-Performing Loans (NPL) 1.23%
Total Assets $1,396,624,000
Total Deposits $1,225,110,000
Equity Capital $119,617,000
Net Income $7,603,000
Headquarters Sullivan
Total Branches and Offices 11
Source: FDIC  |  Last Updated 06/30/2026

Customer Reviews

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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.