Mid-America Bank
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Data as of · sourced from FFIEC call reports. How we update
Mid-America Bank is an FDIC-insured commercial bank headquartered in Baldwin City, KS, established in 1900 (FDIC certificate 17374), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $573.3M, up 11.2% from Q2 2025, the 34th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 12.23% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17374
- Headquarters
- Baldwin City, KS
- Established
- 1900
- Total assets, Q2 2026
- $573.3M
- Assets vs Q2 2025
- +11.2%
- CET1 ratio, Q2 2026
- 12.23%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 101114934
- Latest call report
- Q2 2026, FFIEC 051 · Mid-America Bank call report
- Holding company
- MID-AMERICA BANKSHARES, INC.
- Asset rank in state
- 34th of 182 in Kansas
Mid-America Bank pays more for its money than most banks of its size. Based in Baldwin City, Kansas, it had $573 million in assets at June 30, 2026, up 11.2% from a year earlier. It pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 16.8% over the year, 4.2 times the median of 4.0% for banks its size.
Net income for the quarter rose 26% from a year earlier, to $2.6 million. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.13% of loans from 0.37%. Where it has less room is capital: it holds common equity equal to 12.23% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Mid-America Bank reported a CET1 capital ratio of 12.23%, a return on assets of 1.83%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.95%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mid-America Bank is the 34th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $573.3M, loans rose 3.4% and deposits rose 4.9%. 1-4 family residential loans made up 57.3% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.9%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in KS; its Baldwin City office books 27% of its branch deposits. On its Q2 2026 call report, Mid-America Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 802 Ames St, Baldwin City, KS 66006
- County
- Douglas
- Metro Area
- Lawrence, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- December 11, 1900
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $456.4M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $565.5M
- Average total loans
- $447.2M
- Average interest-bearing deposits
- $403.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 16, 1954
- FDIC Cert
- 17374
- Fed RSSD
- 919456
- Website
- http://www.mid-americabank.com →
- Parent Holding Company
- MID-AMERICA BANKSHARES, INC. (RSSD 2521059)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Mid-America Bank's total assets ran between $405.4M (Q3 2023) and $573.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$573.3M total assets against $515.7M; $515.2M total liabilities against $464.4M.
$453.6M net loans and leases against $390.7M; $456.4M total deposits against $390.7M.
$54.9M securities against $36.6M; $25.7M cash and balances due against $52.8M.
$8.8M total interest income against $7.8M; $3.9M total interest expense against $3.5M.
$4.9M net interest income against $4.4M.
$1.6M total noninterest income against $885K; $3.2M total noninterest expense against $2.5M.
$125K provision for credit losses against $60K.
$2.6M net income against $2.1M.
1.83% return on assets against 1.68%; 3.64% net interest margin against 3.75%.
12.23% CET1 capital ratio against 12.63%; 10.18% tier 1 leverage ratio against 10.34%.
Inside the full Mid-America Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Mid-America Bank rankings
Its closest position to the top of a national ranking is 683 of 3,606, for efficiency ratio; its furthest is 1,640 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.26% (Q3 2024) to 1.83% (Q2 2026) and its net interest margin ran from 3.40% (Q1 2026) to 3.90% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.23% | 1.83% | 0.13% | 0.95% | 3.64% |
| Q1 2026 | 12.22% | 1.58% | 0.13% | 0.98% | 3.40% |
| Q4 2025 | 12.25% | 1.52% | 0.20% | 1.51% | 3.90% |
| Q3 2025 | 12.39% | 1.51% | 0.40% | 2.89% | 3.75% |
| Q2 2025 | 12.63% | 1.68% | 0.37% | 2.63% | 3.75% |
| Q1 2025 | 13.10% | 1.63% | 0.08% | 0.57% | 3.66% |
| Q4 2024 | 13.06% | 1.71% | 0.04% | 0.28% | 3.62% |
| Q3 2024 | 13.15% | 1.26% | 0.00% | 0.00% | 3.68% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mid-America Bank (main office) | Baldwin City , KS | 66006 | $124.9M |
| Lawrence Branch | Lawrence , KS | 66049 | $98.6M |
| Gardner Branch | Gardner , KS | 66030 | $90.0M |
| Norton Branch | Norton , KS | 67654 | $53.7M |
| Wellsville Branch | Wellsville , KS | 66092 | $50.4M |
| Eudora Branch | Eudora , KS | 66025 | $23.6M |
| Palco Branch | Palco , KS | 67657 | $15.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KS, rank 52 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $313K approved, $313K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Mid-America Bank
What are Mid-America Bank's total assets?
As of the Q2 2026 filing, Mid-America Bank reported total assets of $573.3 million in its FFIEC call report.
Where is Mid-America Bank headquartered?
It is headquartered in Baldwin City, KS, United States.
When was Mid-America Bank founded?
It was established in 1900, per the FDIC institution directory.
Is Mid-America Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17374). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mid-America Bank?
Mid-America Bank's primary federal regulator is the FDIC.
What is Mid-America Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.23% in its Q2 2026 call report, above regulatory requirements.
How many branches does Mid-America Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mid-America Bank's Texas Ratio?
Its Texas Ratio is 0.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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