MIDCOUNTRY BANK

BLOOMINGTON, MN | Large | Est. Jan. 1, 1933, midnight | FDIC #28865 | RSSD #3971 | OCC
Latest Report: 2025-12-31

MIDCOUNTRY BANK is aln large FDIC-insured commercial bank headquartered in BLOOMINGTON, MN, established in Jan. 1, 1933, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $843M. Profitability stands at 1.05% ROA and 8.22% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 16.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.73% and a Texas Ratio of 8.51%. FDIC Certificate #28865.

Assets

$1.0B

Deposits

$843M

Loans

$716M

Equity

$133M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 8.22%
Net Interest Margin (NIM) 3.75%
Yield on Assets 5.49%
Cost of Funds 1.86%

Asset Quality

NPL Ratio 1.73%
Net Charge-Off Ratio 0.21%
Texas Ratio 8.51%
NPA Ratio 1.19%
ACL / Loans 1.82%

Capital & Liquidity

CET1 Ratio 16.12%
Tier 1 Capital 16.12%
Total Capital Ratio 17.37%
Leverage Ratio 12.77%
Loan-to-Deposit 84.94%

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