Midamerica National 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): 5.47 percentage points lower than in Q1 2026, at 182.46%. Midamerica National Bank ranks 184th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.95% (Q2 2026). Midamerica National Bank reported 72.95% on loan-to-deposit ratio for Q2 2026, 7.89 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $447.2M |
| Net loans and leases | $440.1M |
| Loans held for sale | $0 |
| Loans to total assets | 65.28% |
| Loan-to-deposit ratio | 72.95% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.16% |
| Multifamily (5+ residential) | 4.06% |
| Commercial and industrial | 9.54% |
| Consumer | 9.01% |
| Credit cards | 0.00% |
| Farm | 14.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.46% |
| Construction concentration (Tier 1 capital + allowance) | 59.28% |
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 | 5.99% |
| Interest income on loans | $6.6M |
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 | $429.4M | $539.4M | 31.29% | 7.54% | 8.60% |
| Q4 2023 | $434.9M | $543.1M | 30.65% | 7.39% | 8.65% |
| Q1 2024 | $430.6M | $548.2M | 29.49% | 7.86% | 8.68% |
| Q2 2024 | $442.9M | $575.9M | 31.04% | 8.47% | 8.74% |
| Q3 2024 | $443.1M | $567.9M | 30.82% | 8.55% | 9.00% |
| Q4 2024 | $449.4M | $560.9M | 30.35% | 8.98% | 8.72% |
| Q1 2025 | $447.1M | $559.1M | 30.12% | 8.96% | 8.42% |
| Q2 2025 | $449.9M | $583.1M | 30.66% | 9.91% | 8.73% |
| Q3 2025 | $462.8M | $588.0M | 30.09% | 10.31% | 8.80% |
| Q4 2025 | $451.5M | $567.5M | 30.41% | 9.30% | 8.97% |
| Q1 2026 | $444.6M | $590.7M | 29.50% | 8.99% | 9.00% |
| Q2 2026 | $447.2M | $613.0M | 29.16% | 9.54% | 9.01% |
Midamerica National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midamerica National 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 Midamerica National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3612) · FFIEC NIC profile (RSSD 510938)