Mid America Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 451.47 percentage points lower than in Q1 2026, at 128.13%. Within Missouri, Mid America Bank is 45th of 192 on return on assets, 1.95% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Mid America Bank reported 1.95% on return on assets in Q2 2026, 0.67 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.76% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 10.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.60% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 128.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.95% |
| Return on equity | 17.07% |
| Net interest margin | 4.56% |
| Efficiency ratio | 52.45% |
| Yield on earning assets | 6.08% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.75% |
| Core deposits to total deposits | 93.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.42% |
| Securities to assets | 12.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.22% | 1.92% | 4.29% | 0.05% | 0.01% |
| Q4 2023 | 10.93% | 1.86% | 4.27% | 0.24% | 0.05% |
| Q1 2024 | 10.48% | 2.03% | 4.37% | 0.20% | 0.02% |
| Q2 2024 | 10.67% | 2.11% | 4.58% | 0.18% | 0.01% |
| Q3 2024 | 11.19% | 2.36% | 4.76% | 0.21% | 0.00% |
| Q4 2024 | 11.08% | 1.86% | 4.57% | 0.15% | 0.00% |
| Q1 2025 | 10.98% | 2.14% | 4.57% | 0.10% | 0.01% |
| Q2 2025 | 11.68% | 2.58% | 5.06% | 0.09% | -0.01% |
| Q3 2025 | 11.73% | 2.40% | 4.95% | 0.12% | 0.01% |
| Q4 2025 | 11.20% | 2.22% | 4.90% | 0.16% | 0.02% |
| Q1 2026 | 10.83% | 2.21% | 4.58% | 0.19% | -0.00% |
| Q2 2026 | 10.76% | 1.95% | 4.56% | 0.89% | -0.00% |
Mid America Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid America Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mid America Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11459) · FFIEC NIC profile (RSSD 873259)