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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.30% | 1.31% | 1.55% | 1.62% | 1.66% | 1.65% | 1.57% | +2 bps | |
| Return on Equity | 14.35% | 13.74% | 14.18% | 15.86% | 15.87% | 16.57% | 16.32% | 14.95% | -90 bps | |
| Net Interest Margin | 3.30% | 3.21% | 3.31% | 3.57% | 3.64% | 3.61% | 3.67% | 3.63% | +6 bps | |
| Efficiency Ratio | 47.46% | 46.19% | 50.50% | 45.17% | 45.13% | 43.50% | 42.78% | 43.76% | -141 bps | |
| Non-Interest Burden | 1.53% | 1.46% | 1.65% | 1.59% | 1.60% | 1.54% | 1.55% | 1.57% | -2 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% | 0.91% | 0.00% | 0.00% | -0.73% | -0.01% | 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 | |