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Mid-America Bank

Baldwin City, KS · Cert 17374 · Mid-America Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

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.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mid-America Bank

Baldwin City, KS · Cert 17374 · Mid-America Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$573.3MAssets
$458.0MLoans
$456.4MDeposits
$58.0MEquity
Loan mix
97%RE $426.1M2%C&I $8.6M1%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $412.4M10%Noninterest $44.0MQ3 2024Q2 2026

Market Position · Lawrence, KS · 2026 SOD (annual) · 6.9% share · #8 of 22 inst. · $0.2B of $3.6B

6.9% Douglas
0.3% Johnson
22.4% Norton
7.3% Franklin

Executive Summary

  • Earnings: ROA of 1.72%, up 9 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.13% of loans (-24 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.18%, down 16 bps from a year ago.
  • Funding: loans stand at 100.34% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.72%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.38%-9 bps YoY

Efficiency Ratio (YTD, annualized)

49.90%+62 bps YoY

Tier 1 Leverage Ratio

10.18%-16 bps YoY

NIM

6.24%Q2 ’246.24%Q2 ’256.16%Q2 ’26+3%-3%

Non-interest income vs. expense

2.01%Q2 ’242.04%Q2 ’252.15%Q2 ’26+13%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.56%1.62%1.63%1.60%1.57%1.61%1.72%+9 bps
Return on Equity14.48%15.19%15.86%16.12%15.88%15.65%16.38%17.30%+119 bps
Net Interest Margin3.36%3.19%3.50%3.47%3.35%3.44%3.26%3.38%-9 bps
Efficiency Ratio50.60%52.30%51.10%49.28%49.08%51.88%51.34%49.90%+62 bps
Non-Interest Burden1.37%1.32%1.48%1.37%1.35%1.49%1.33%1.22%-16 bps
Growth
Asset Growth (YoY)10.13%14.36%12.61%20.44%17.73%17.54%18.00%11.17%-927 bps
Loan Growth (YoY)8.24%10.57%8.71%14.51%18.29%19.53%20.86%15.94%+144 bps
Deposit Growth (YoY)12.59%27.39%23.83%36.40%32.72%18.05%21.76%16.83%-1,957 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.04%0.08%0.37%0.40%0.20%0.13%0.13%-24 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%-0.01%0.00%0.03%0.02%+2 bps
Allowance / Loans1.32%1.19%1.17%1.09%1.05%1.02%0.99%0.96%-13 bps
Allowance Coverage of NPLsn/a29.6x14.0x3.0x2.7x5.0x7.5x7.5x+4.5x
Capital
Tier 1 Leverage Ratio10.48%10.01%10.38%10.34%9.77%10.08%9.68%10.18%-16 bps
Total Risk-Based Capital14.40%14.31%14.34%13.80%13.54%13.36%13.29%13.27%-53 bps
Equity / Assets10.38%10.12%10.25%9.93%9.94%9.87%9.79%10.12%+19 bps
Liquidity & Funding
Loans / Deposits113.50%104.26%102.51%101.11%101.16%105.57%101.75%100.34%-77 bps
Liquid Assets / Assets2.99%3.49%2.52%2.37%2.67%2.21%2.04%2.47%+10 bps
CRE / Total Capitaln/an/an/an/a239%263%259%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mid-America Bank

Baldwin City, KS · Cert 17374 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mid-America Bankshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$573.3MAssets
$458.0MLoans
$456.4MDeposits
$58.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks under $1B in assets operating in a single state (rank 71 of 746).
  • Widest gap: tier 1 capital ratio trails 66% of banks under $1B in assets operating in a single state (rank 492 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.69%

Rank 114 of 746

Net Interest Margin

3.38%

Rank 494 of 746

Efficiency Ratio

49.90%

Rank 106 of 746

Equity / Assets

10.12%

Rank 409 of 746

Non-interest income vs. expense

$5.3M$12.2MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state
Bank 49.90%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.69%0.72%1.06%1.45%Beats 85%114 / 746
Return on Equity16.67%6.74%10.51%13.63%Beats 90%71 / 746
Net Interest Margin3.38%3.17%3.68%4.16%Beats 34%494 / 746
Efficiency Ratio49.90%55.74%64.58%75.47%Beats 86%106 / 746
Asset Quality
Nonperforming Loans / Loans0.13%0.09%0.42%1.07%Beats 73%203 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 52%360 / 743
Capital
Tier 1 Capital Ratio12.23%11.55%13.75%17.60%Beats 34%492 / 746
Total Risk-Based Capital Ratio13.27%11.71%14.33%18.43%Beats 40%445 / 746
Equity / Assets10.12%8.90%10.51%13.06%Beats 45%409 / 746
Liquidity & Funding
Loans / Deposits100.34%61.31%78.27%90.78%90th pctl75 / 746
Loans / Assets79.89%53.60%66.97%76.08%85th pctl110 / 746
Brokered Deposits / Depositsn/aNot reported for this institution