Mid-Central National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Mid-Central National Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Mid-Central National reported $117M in total assets against $95M in deposits. Profitability runs below industry average: 0.57% ROA, 3.15% ROE, with NIM at 5.19%. Capital cushions are healthy: 24.82% CET1, 14.91% Tier 1 leverage. Credit metrics are in line with industry norms, 0.87% NPL ratio. 3 branches make up the footprint.
As of June 30, 2026, Mid-Central National Bank reported a CET1 capital ratio of 24.82%, a return on assets of 0.57%, a nonperforming-loan ratio of 0.87%, a Texas ratio of 5.34%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 520 Jefferson St S, Wadena, MN 56482
- County
- Wadena
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 11, 1957
- Former names
- Mid-Central Federal Savings Bank (1989-2020)
- Offices
- 3 domestic
- Employees (FTE)
- 36
- Domestic deposits
- $94.9M
- Allowance for credit losses
- $753K
- Net charge-offs (YTD)
- $0
- Average total assets
- $117.3M
- Average total loans
- $89.4M
- Average interest-bearing deposits
- $84.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30943
- Fed RSSD
- 773171
- SEC CIK
- 1682244 → filed by JIKO GROUP, INC.
- Website
- www.midcentralbank.com →
- Parent Holding Company
- JIKO GROUP, INC. (RSSD 5306499)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Mid-Central National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Mid-Central National Bank, freeMid-Central National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Mid-Central National Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.82% | 0.57% | 0.87% | 5.34% | 5.19% |
| Q1 2026 | 23.95% | 0.63% | 1.27% | 6.82% | 5.16% |
| Q4 2025 | 23.89% | 0.96% | 1.38% | 7.45% | 5.15% |
| Q3 2025 | 24.33% | 0.81% | 0.92% | 6.63% | 4.95% |
| Q2 2025 | 24.64% | 0.65% | 0.86% | 7.42% | 4.86% |
| Q1 2025 | 25.36% | 0.63% | 0.50% | 7.96% | 4.65% |
| Q4 2024 | 25.98% | 0.72% | 0.50% | 2.86% | 4.68% |
| Q3 2024 | 30.82% | 0.78% | 0.28% | 2.01% | 4.67% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mid-Central National Bank (main office) | Wadena , MN | 56482 | $50.5M |
| Long Prairie Branch | Long Prairie , MN | 56347 | $25.4M |
| Staples Branch | Staples , MN | 56479 | $19.0M |
Regulatory record
What the public regulatory sources show for Mid-Central National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 26, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 197 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Mid-Central National Bank
What are Mid-Central National Bank's total assets?
As of the Q2 2026 filing, Mid-Central National Bank reported total assets of $117.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mid-Central National Bank headquartered?
Mid-Central National Bank is headquartered in Wadena, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Mid-Central National Bank founded?
Mid-Central National Bank was established in 1957, per the FDIC institution directory.
Is Mid-Central National Bank FDIC-insured?
Yes. Mid-Central National Bank is an FDIC-insured commercial bank (FDIC Certificate #30943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mid-Central National Bank?
Mid-Central National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Mid-Central National Bank's CET1 capital ratio?
Mid-Central National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 24.82% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mid-Central National Bank operate?
Mid-Central National Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mid-Central National Bank's Texas Ratio?
Mid-Central National Bank's Texas Ratio is 5.34% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Mid-Central National Bank previously called?
The charter now named Mid-Central National Bank has also operated as Mid-Central Federal Savings Bank (1989-2020), per FDIC structure-change records.
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