Mid-Central National 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: 35.36 percentage points higher than in Q1 2026, at 97.54%. On return on assets, Mid-Central National Bank is 20th from the bottom among 221 Minnesota banks, 0.57% (Q2 2026). Mid-Central National Bank's return on assets of 0.57% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.82% |
| Tier 1 risk-based capital ratio | 24.82% |
| Total risk-based capital ratio | 25.94% |
| Tier 1 leverage ratio | 14.91% |
| Equity capital to assets | 18.18% |
| Tangible equity to tangible assets | 14.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.87% |
| Non-performing assets ratio | 0.66% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.34% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 97.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 3.15% |
| Net interest margin | 5.19% |
| Efficiency ratio | 82.70% |
| Yield on earning assets | 5.98% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.97% |
| Core deposits to total deposits | 97.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.98% |
| Securities to assets | 4.18% |
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 | 29.74% | 29.74% | 30.45% | 15.16% | 1.25% |
| Q4 2023 | 30.43% | 30.43% | 31.22% | 15.50% | 0.85% |
| Q1 2024 | 30.11% | 30.11% | 30.94% | 15.79% | 0.40% |
| Q2 2024 | 30.69% | 30.69% | 31.55% | 16.07% | 0.69% |
| Q3 2024 | 30.82% | 30.82% | 31.68% | 16.26% | 0.78% |
| Q4 2024 | 25.98% | 25.98% | 26.89% | 13.70% | 0.72% |
| Q1 2025 | 25.36% | 25.36% | 26.31% | 13.58% | 0.63% |
| Q2 2025 | 24.64% | 24.64% | 25.61% | 13.74% | 0.65% |
| Q3 2025 | 24.33% | 24.33% | 25.32% | 14.20% | 0.81% |
| Q4 2025 | 23.89% | 23.89% | 24.88% | 14.66% | 0.96% |
| Q1 2026 | 23.95% | 23.95% | 24.98% | 14.90% | 0.63% |
| Q2 2026 | 24.82% | 24.82% | 25.94% | 14.91% | 0.57% |
Mid-Central National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mid-Central National 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-Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30943) · FFIEC NIC profile (RSSD 773171)