MID-AMERICA BANK

BALDWIN CITY, KS | Medium | Est. Dec. 11, 1900, midnight | FDIC #17374 | RSSD #919456 | FDIC
Latest Report: 2025-12-31

MID-AMERICA BANK is amn medium FDIC-insured commercial bank headquartered in BALDWIN CITY, KS, established in Dec. 11, 1900, midnight. As of 2025-12-31, the bank reported total assets of $549M and total deposits of $409M. Profitability stands at 1.49% ROA and 15.04% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 12.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17374.

Assets

$549M

Deposits

$409M

Loans

$432M

Equity

$54M

Profitability

Return on Assets (ROA) 1.49%
Return on Equity (ROE) 15.04%
Net Interest Margin (NIM) 3.96%
Yield on Assets 6.93%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 12.25%
Tier 1 Capital 12.25%
Total Capital Ratio 13.36%
Leverage Ratio 10.08%
Loan-to-Deposit 105.57%

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