MID-CENTRAL NATIONAL BANK

WADENA, MN | Small | Est. March 11, 1957, midnight | FDIC #30943 | RSSD #773171 | OCC
Latest Report: 2025-12-31

MID-CENTRAL NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in WADENA, MN, established in March 11, 1957, midnight. As of 2025-12-31, the bank reported total assets of $116M and total deposits of $94M. Profitability stands at 0.96% ROA and 5.37% ROE, with a net interest margin of 5.27%. The bank's CET1 capital ratio is 23.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.16% and a Texas Ratio of 4.82%. FDIC Certificate #30943.

Assets

$116M

Deposits

$94M

Loans

$90M

Equity

$21M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 5.37%
Net Interest Margin (NIM) 5.27%
Yield on Assets 6.14%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 1.16%
Net Charge-Off Ratio 0.09%
Texas Ratio 4.82%
NPA Ratio 0.90%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 23.89%
Tier 1 Capital 23.89%
Total Capital Ratio 24.88%
Leverage Ratio 14.66%
Loan-to-Deposit 95.46%

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