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
Unfavorable gap of $6.9M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.72% | 1.06% | 1.45% | Beats 85% | 114 / 746 | |
| Return on Equity | 16.67% | 6.74% | 10.51% | 13.63% | Beats 90% | 71 / 746 | |
| Net Interest Margin | 3.38% | 3.17% | 3.68% | 4.16% | Beats 34% | 494 / 746 | |
| Efficiency Ratio | 49.90% | 55.74% | 64.58% | 75.47% | Beats 86% | 106 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 73% | 203 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 52% | 360 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.23% | 11.55% | 13.75% | 17.60% | Beats 34% | 492 / 746 | |
| Total Risk-Based Capital Ratio | 13.27% | 11.71% | 14.33% | 18.43% | Beats 40% | 445 / 746 | |
| Equity / Assets | 10.12% | 8.90% | 10.51% | 13.06% | Beats 45% | 409 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 100.34% | 61.31% | 78.27% | 90.78% | 90th pctl | 75 / 746 | |
| Loans / Assets | 79.89% | 53.60% | 66.97% | 76.08% | 85th pctl | 110 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |