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.
Deposits to assets climbed 2.83 percentage points in Q2 2026, from 76.79% to 79.62%. It was the largest change from Q1 2026 among the key lines here. Mid-America Bank ranks 39th of 182 Kansas banks on return on assets, in the upper half at 1.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Mid-America Bank sits 0.59 points higher, at 1.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.18% |
| Equity capital to assets | 10.12% |
| Tangible equity to tangible assets | 10.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.95% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 18.27% |
| Net interest margin | 3.64% |
| Efficiency ratio | 48.61% |
| Yield on earning assets | 6.52% |
| Cost of funds | 3.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.34% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 3.93% |
| Deposits to assets | 79.62% |
| Securities to assets | 9.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.86% | 12.86% | 14.11% | 9.99% | 1.80% |
| Q4 2023 | 12.89% | 12.89% | 14.14% | 10.02% | 1.41% |
| Q1 2024 | 12.87% | 12.87% | 14.12% | 10.18% | 1.49% |
| Q2 2024 | 13.14% | 13.14% | 14.40% | 10.48% | 1.77% |
| Q3 2024 | 13.15% | 13.15% | 14.40% | 10.48% | 1.26% |
| Q4 2024 | 13.06% | 13.06% | 14.31% | 10.01% | 1.71% |
| Q1 2025 | 13.10% | 13.10% | 14.34% | 10.38% | 1.63% |
| Q2 2025 | 12.63% | 12.63% | 13.80% | 10.34% | 1.68% |
| Q3 2025 | 12.39% | 12.39% | 13.54% | 9.77% | 1.51% |
| Q4 2025 | 12.25% | 12.25% | 13.36% | 10.08% | 1.52% |
| Q1 2026 | 12.22% | 12.22% | 13.29% | 9.68% | 1.58% |
| Q2 2026 | 12.23% | 12.23% | 13.27% | 10.18% | 1.83% |
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 17374) · FFIEC NIC profile (RSSD 919456)