Midamerica National Bank
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Data as of · sourced from FFIEC call reports. How we update
Midamerica National Bank is an FDIC-insured commercial bank headquartered in Canton, IL, established in 1933 (FDIC certificate 3612), and it is supervised by the OCC. At Q2 2026 it reported total assets of $685.0M, up 4.7% from Q2 2025, the 77th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.86% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3612
- Headquarters
- Canton, IL
- Established
- 1933
- Total assets, Q2 2026
- $685.0M
- Assets vs Q2 2025
- +4.7%
- Tier 1 leverage ratio, Q2 2026
- 9.86%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071102238
- Latest call report
- Q2 2026, FFIEC 051 · Midamerica National Bank call report
- Holding company
- MIDAMERICA NATIONAL BANCSHARES, INC.
- Asset rank in state
- 77th of 319 in Illinois
Midamerica National Bank, based in Canton, Illinois, reported $685 million in assets at June 30, 2026, up 4.7% from a year earlier. It carries problem assets equal to 33.5% of the capital and reserves that would absorb them, 12.7 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.27% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
The non-owner-occupied commercial real estate book ($71 million) is worsening: 17.89% of it is past due or on nonaccrual, up from 11.31% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 4.37% of loans, down from 5.01% a year earlier. Profitability lags: it earns about $0.83 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Midamerica National Bank reported a return on assets of 0.83%, a nonperforming-loan ratio of 4.37% and a Texas ratio of 33.50%. The figures come from its call report filed with the FFIEC.
Midamerica National Bank ranks as the 77th largest of the 319 banks based in Illinois, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.5% to $685.0M, loans rose 0.6% and deposits rose 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 16.0% of total loans, followed by non-owner-occupied commercial real estate loans at 15.9%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in IL; its Canton office books 48% of its branch deposits. By the capital ratios in its Q2 2026 call report, Midamerica National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 W Elm St, Canton, IL 61520
- County
- Fulton
- Metro Area
- Canton, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- November 22, 1933
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 126
- Domestic deposits
- $613.0M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- $799K
- Average total assets
- $669.8M
- Average total loans
- $442.7M
- Average interest-bearing deposits
- $465.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3612
- Fed RSSD
- 510938
- Website
- www.midnatbank.com →
- Parent Holding Company
- MIDAMERICA NATIONAL BANCSHARES, INC. (RSSD 1206573)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Midamerica National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Midamerica National Bank's total assets ranged from $605.5M (Q3 2023) to $685.0M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$685.0M total assets against $654.4M; $618.5M total liabilities against $588.8M.
$440.1M net loans and leases against $442.7M; $613.0M total deposits against $583.1M.
$138.8M securities against $137.5M; $69.5M cash and balances due against $38.9M.
$8.3M total interest income against $8.3M; $1.9M total interest expense against $2.0M.
$6.3M net interest income against $6.3M.
$1.1M total noninterest income against $903K; $5.1M total noninterest expense against $4.7M.
$436K provision for credit losses against $268K.
$1.4M net income against $1.6M.
0.83% return on assets against 1.01%; 4.02% net interest margin against 4.15%.
9.86% tier 1 leverage ratio against 10.34%.
Inside the full Midamerica National 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Midamerica National Bank rankings
Its closest position to the top of a national ranking is 46 of 3,640, for Texas Ratio; its furthest is 2,845 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.74% (Q4 2025) to 1.14% (Q4 2024) and its net interest margin ran from 3.57% (Q4 2025) to 4.15% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.86% | 0.83% | 4.37% | 33.50% | 4.02% |
| Q1 2026 | 9.90% | 0.86% | 4.63% | 32.73% | 3.91% |
| Q4 2025 | 9.80% | -0.74% | 4.04% | 31.45% | 3.57% |
| Q3 2025 | 10.09% | 0.44% | 4.69% | 31.43% | 3.87% |
| Q2 2025 | 10.34% | 1.01% | 5.01% | 34.14% | 4.15% |
| Q1 2025 | 10.22% | 1.04% | 5.13% | 35.29% | 3.94% |
| Q4 2024 | 9.87% | 1.14% | 3.07% | 22.24% | 3.83% |
| Q3 2024 | 9.68% | 0.60% | 2.24% | 15.55% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Midamerica National Bank (main office) | Canton , IL | 61520 | $294.0M |
| North Side Square Branch | Macomb , IL | 61455 | $179.9M |
| Henry State Branch | Henry , IL | 61537 | $80.3M |
| Lewistown Branch | Lewistown , IL | 61542 | $39.1M |
| Cuba Branch | Cuba , IL | 61427 | $19.7M |
| West Facility | Macomb , IL | 61455 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2017 | Structure Change | Acquired Henry State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1997 | Structure Change | Acquired The Union National Bank of Macomb Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 1987 | Structure Change | Acquired The Lewistown Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 27, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 10, 1987 | Structure Change | Acquired State Bank of Cuba Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 9, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 89 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 212 applications, 123 loans originated, $18.5M originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $259K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Midamerica National Bank
What are Midamerica National Bank's total assets?
As of the Q2 2026 filing, Midamerica National Bank reported total assets of $685.0 million in its FFIEC call report.
Where is Midamerica National Bank headquartered?
It is headquartered in Canton, IL, United States.
When was Midamerica National Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Midamerica National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midamerica National Bank?
Midamerica National Bank's primary federal regulator is the OCC.
How many branches does Midamerica National Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midamerica National Bank's Texas Ratio?
Its Texas Ratio is 33.50% 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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