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 Baldwin City, KS against its peer group of 2603 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 | 1.83% | 1.34% | +0.49% | 79th top |
| ROAE | 18.27% | 13.32% | +4.95% | 81st top |
| Net Interest Margin | 3.64% | 3.93% | -0.29% | 34th below |
| Efficiency Ratio | 48.61% | 61.14% | -12.53% | 83rd top |
| PPNR / Avg Assets | 2.39% | 1.68% | +0.71% | 86th top |
| Yield on Earning Assets | 6.52% | 5.67% | +0.85% | 87th top |
| Cost of Funds | 3.10% | 1.88% | +1.22% | 4th bottom |
| Net Interest Spread | 3.16% | 3.32% | -0.16% | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 47th below |
| ACL / Total Loans | 0.96% | 1.28% | -0.32% | 22nd bottom |
| Texas Ratio | 0.95% | 7.34% | -6.39% | 73rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 166.67% | 1395.90% | -1229.23% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.23% | 19.49% | -7.26% | 20th bottom |
| Tier 1 Ratio | 12.23% | 19.53% | -7.30% | 19th bottom |
| Total Capital Ratio | 13.27% | 20.61% | -7.34% | 19th bottom |
| Leverage Ratio | 10.18% | 12.14% | -1.96% | 35th below |
| Equity / Assets | 10.12% | 11.37% | -1.25% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.08% | 11.08% | -1.00% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.34% | 80.65% | +19.69% | 11th bottom |
| Core Deposit Ratio | 84.35% | 86.85% | -2.50% | 28th below |
| Wholesale Funding Ratio | 9.28% | 5.03% | +4.25% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.17% | 6.84% | +4.33% | 86th top |
| Loan Growth (Y/Y) | 15.94% | 7.91% | +8.03% | 88th top |
| Deposit Growth (Y/Y) | 16.83% | 6.28% | +10.55% | 93rd top |
See Mid-America Bank's peers by name
The 2603 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.