Ames, IA · Cert 10132 · Mid America Banks Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
64
Profitability
72
Liquidity
0
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ames, IA · Cert 10132 · Mid America Banks Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 1.8% share · #15 of 26 inst. · $0.1B of $3.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.39% | 1.31% | 1.44% | 1.49% | 1.53% | 1.65% | 1.61% | +17 bps | |
| Return on Equity | 14.73% | 14.58% | 14.18% | 15.04% | 15.33% | 15.74% | 16.32% | 15.63% | +60 bps | |
| Net Interest Margin | 3.35% | 3.23% | 3.31% | 3.49% | 3.53% | 3.44% | 3.67% | 3.67% | +17 bps | |
| Efficiency Ratio | 48.01% | 47.56% | 50.50% | 47.77% | 46.85% | 45.98% | 42.78% | 43.27% | -450 bps | |
| Non-Interest Burden | 1.59% | 1.51% | 1.65% | 1.64% | 1.62% | 1.55% | 1.55% | 1.56% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 7.00% | 8.63% | 1.72% | 2.76% | 3.05% | 0.49% | 5.83% | +411 bps | |
| Loan Growth (YoY) | 11.62% | 7.00% | 3.22% | 0.82% | 3.34% | 4.47% | 2.54% | 3.96% | +314 bps | |
| Deposit Growth (YoY) | -3.56% | 5.13% | 8.79% | 3.98% | -1.12% | 0.69% | -0.63% | 7.02% | +304 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.35% | 0.96% | 1.00% | +100 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.23% | 0.00% | 0.00% | -0.24% | -0.18% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.64% | 0.64% | 0.65% | 0.81% | 0.79% | 0.83% | 0.85% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 2.3x | 0.9x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.64% | 10.03% | 10.34% | 10.91% | 11.03% | 10.45% | 10.87% | 11.17% | +25 bps | |
| Total Risk-Based Capital | 10.64% | 10.03% | 10.34% | 10.91% | 11.03% | 10.45% | 10.87% | 11.17% | +25 bps | |
| Equity / Assets | 9.81% | 9.18% | 9.34% | 10.20% | 10.17% | 9.90% | 10.34% | 10.69% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.26% | 103.69% | 100.39% | 107.33% | 116.28% | 107.58% | 103.58% | 104.26% | -307 bps | |
| Liquid Assets / Assets | 2.54% | 4.59% | 4.99% | 2.69% | 2.95% | 3.20% | 5.92% | 5.05% | +236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 189.01% | 183.39% | 179.48% | n/a | n/a | |
Ames, IA · Cert 10132 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mid America Banks Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.61%
Rank 131 of 746
Net Interest Margin
3.67%
Rank 379 of 746
Efficiency Ratio
43.27%
Rank 41 of 746
Equity / Assets
10.69%
Rank 350 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.61% | 0.72% | 1.06% | 1.45% | Beats 82% | 131 / 746 | ||
| Return on Equity | 15.11% | 6.74% | 10.51% | 13.63% | Beats 84% | 122 / 746 | ||
| Net Interest Margin | 3.67% | 3.17% | 3.68% | 4.16% | Beats 49% | 379 / 746 | ||
| Efficiency Ratio | 43.27% | 55.74% | 64.58% | 75.47% | Beats 95% | 41 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.09% | 0.42% | 1.07% | Beats 27% | 542 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.17% | 11.55% | 13.75% | 17.60% | Beats 21% | 588 / 746 | ||
| Total Risk-Based Capital Ratio | 11.17% | 11.71% | 14.33% | 18.43% | Beats 20% | 600 / 746 | ||
| Equity / Assets | 10.69% | 8.90% | 10.51% | 13.06% | Beats 53% | 350 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.26% | 61.31% | 78.27% | 90.78% | 94th pctl | 48 / 746 | ||
| Loans / Assets | 83.92% | 53.60% | 66.97% | 76.08% | 93rd pctl | 52 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||