Mid-America Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.63 percentage points lower than in Q1 2026, at 206.70%. On loan-to-deposit ratio, Mid-America Bank ranks 15th highest among the 182 banks headquartered in Kansas, at 100.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Mid-America Bank sits 19.50 points higher, at 100.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $458.0M |
| Net loans and leases | $453.6M |
| Loans held for sale | $0 |
| Loans to total assets | 79.89% |
| Loan-to-deposit ratio | 100.34% |
| Net loans to equity capital | 7.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.35% |
| Multifamily (5+ residential) | 4.82% |
| Commercial and industrial | 1.92% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 7.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.70% |
| Construction concentration (Tier 1 capital + allowance) | 132.01% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.97% |
| Interest income on loans | $7.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $321.7M | $272.5M | 9.60% | 2.17% | 0.72% |
| Q4 2023 | $326.6M | $271.9M | 9.73% | 2.47% | 0.63% |
| Q1 2024 | $337.1M | $288.7M | 9.35% | 2.01% | 0.61% |
| Q2 2024 | $345.0M | $286.4M | 9.05% | 1.65% | 0.62% |
| Q3 2024 | $348.2M | $306.8M | 8.97% | 1.46% | 0.84% |
| Q4 2024 | $361.1M | $346.4M | 8.35% | 1.38% | 0.75% |
| Q1 2025 | $366.4M | $357.5M | 7.89% | 1.27% | 0.66% |
| Q2 2025 | $395.0M | $390.7M | 7.65% | 1.47% | 0.79% |
| Q3 2025 | $411.9M | $407.1M | 7.70% | 2.02% | 0.61% |
| Q4 2025 | $431.6M | $408.9M | 7.59% | 1.90% | 0.74% |
| Q1 2026 | $442.9M | $435.3M | 7.83% | 1.95% | 0.65% |
| Q2 2026 | $458.0M | $456.4M | 8.35% | 1.92% | 1.13% |
Mid-America Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-America Bank, freeSource: Call Report Schedule RC-C, 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 17374) · FFIEC NIC profile (RSSD 919456)