Midamerica 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 Loan-to-deposit ratio: 2.32 percentage points lower than in Q1 2026, at 72.95%. Within Illinois, Midamerica National Bank is 231st of 323 on return on assets, 0.83% as of Q2 2026, below the middle of the field. Midamerica National Bank reported 0.83% on return on assets for Q2 2026, 0.43 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 9.72% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.27% |
| Non-performing assets ratio | 4.53% |
| Net charge-off ratio | 0.72% |
| Texas ratio | 46.39% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | 25.37% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 8.33% |
| Net interest margin | 4.02% |
| Efficiency ratio | 68.00% |
| Yield on earning assets | 5.22% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.95% |
| Core deposits to total deposits | 92.65% |
| Brokered deposits to total deposits | 2.12% |
| Deposits to assets | 89.49% |
| Securities to assets | 20.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.55% | 0.76% | 3.66% | 2.23% | 0.23% |
| Q4 2023 | 9.65% | 0.91% | 3.63% | 1.89% | -0.00% |
| Q1 2024 | 9.79% | 0.93% | 3.56% | 2.37% | 0.10% |
| Q2 2024 | 9.58% | 0.97% | 3.67% | 3.14% | 0.24% |
| Q3 2024 | 9.68% | 0.60% | 3.67% | 4.64% | 0.06% |
| Q4 2024 | 9.87% | 1.14% | 3.83% | 5.42% | 0.08% |
| Q1 2025 | 10.22% | 1.04% | 3.94% | 6.22% | 0.31% |
| Q2 2025 | 10.34% | 1.01% | 4.15% | 6.12% | 0.16% |
| Q3 2025 | 10.09% | 0.44% | 3.87% | 6.80% | 0.28% |
| Q4 2025 | 9.80% | -0.74% | 3.57% | 6.34% | 3.20% |
| Q1 2026 | 9.90% | 0.86% | 3.91% | 6.84% | 0.01% |
| Q2 2026 | 9.86% | 0.83% | 4.02% | 6.27% | 0.72% |
Midamerica National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midamerica 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 Midamerica National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3612) · FFIEC NIC profile (RSSD 510938)