Mid America Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mid America Bank of Jefferson City, MO against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.95% | 1.46% | +0.49% | 85th top |
| ROAE | 17.07% | 12.71% | +4.36% | 81st top |
| Net Interest Margin | 4.56% | 3.85% | +0.71% | 89th top |
| Efficiency Ratio | 52.45% | 57.41% | -4.96% | 68th above |
| PPNR / Avg Assets | 2.19% | 1.88% | +0.31% | 78th top |
| Yield on Earning Assets | 6.08% | 5.72% | +0.36% | 79th top |
| Cost of Funds | 1.66% | 2.02% | -0.36% | 72nd above |
| Net Interest Spread | 3.90% | 3.18% | +0.72% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 1.00% | -0.11% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.76% | -0.14% | 41st below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 88th top |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 48th below |
| ACL / NPLs (Coverage) | 128.13% | 543.55% | -415.42% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.60% | 7.39% | -1.79% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.76% | 11.44% | -0.68% | 56th above |
| Equity / Assets | 11.51% | 11.33% | +0.18% | 68th above |
| TCE / Tangible Assets | 10.52% | 10.50% | +0.02% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.75% | 86.96% | -7.21% | 71st above |
| Core Deposit Ratio | 93.36% | 85.55% | +7.81% | 76th top |
| Wholesale Funding Ratio | 0.21% | 5.71% | -5.50% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 21.46% | 9.68% | +11.78% | 92nd top |
| Loan Growth (Y/Y) | 8.92% | 8.06% | +0.86% | 69th above |
| Deposit Growth (Y/Y) | 27.83% | 7.86% | +19.97% | 94th top |
See Mid America Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mid America Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mid America Bank profile, how to read a UBPR, or how this data updates.