Midcountry 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: 79.13 percentage points higher than in Q1 2026, at 195.89%. Within Minnesota, Midcountry Bank is 186th of 221 on return on assets, 0.85% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Midcountry Bank sits 0.43 points lower, at 0.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.98% |
| Tier 1 risk-based capital ratio | 15.98% |
| Total risk-based capital ratio | 17.23% |
| Tier 1 leverage ratio | 13.00% |
| Equity capital to assets | 12.46% |
| Tangible equity to tangible assets | 11.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 6.02% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | 195.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 6.64% |
| Net interest margin | 3.67% |
| Efficiency ratio | 65.49% |
| Yield on earning assets | 5.21% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.20% |
| Core deposits to total deposits | 94.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.07% |
| Securities to assets | 21.07% |
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 | 11.49% | 11.49% | 12.74% | 9.96% | 0.84% |
| Q4 2023 | 12.24% | 12.24% | 13.42% | 10.35% | 0.76% |
| Q1 2024 | 12.86% | 12.86% | 14.11% | 10.91% | -0.40% |
| Q2 2024 | 13.40% | 13.40% | 14.65% | 10.98% | 0.70% |
| Q3 2024 | 13.25% | 13.25% | 14.50% | 10.66% | -2.97% |
| Q4 2024 | 13.78% | 13.78% | 15.03% | 11.19% | 0.51% |
| Q1 2025 | 14.68% | 14.68% | 15.94% | 11.65% | 0.76% |
| Q2 2025 | 15.33% | 15.33% | 16.58% | 12.32% | 0.88% |
| Q3 2025 | 15.94% | 15.94% | 17.19% | 12.81% | 0.74% |
| Q4 2025 | 16.12% | 16.12% | 17.37% | 12.77% | 1.04% |
| Q1 2026 | 16.85% | 16.85% | 18.10% | 13.25% | 1.22% |
| Q2 2026 | 15.98% | 15.98% | 17.23% | 13.00% | 0.85% |
Midcountry Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midcountry 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 Midcountry Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28865) · FFIEC NIC profile (RSSD 3971)