Baldwin City, KS · Cert 17374 · Mid-America Bankshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Lawrence, KS · 2026 SOD (annual) · 6.9% share · #8 of 22 inst. · $0.2B of $3.6B
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 | 1.25% | 1.76% | 1.62% | 1.65% | 1.52% | 1.49% | 1.61% | 1.82% | +17 bps | |
| Return on Equity | 12.01% | 17.15% | 15.86% | 16.36% | 15.34% | 15.04% | 16.38% | 18.27% | +190 bps | |
| Net Interest Margin | 3.53% | 3.48% | 3.50% | 3.59% | 3.59% | 3.73% | 3.26% | 3.49% | -10 bps | |
| Efficiency Ratio | 54.97% | 56.45% | 51.10% | 47.61% | 48.70% | 59.33% | 51.34% | 48.67% | +106 bps | |
| Non-Interest Burden | 1.74% | 1.51% | 1.48% | 1.33% | 1.48% | 1.92% | 1.33% | 1.10% | -22 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 / Loans | 0.00% | 0.04% | 0.08% | 0.37% | 0.40% | 0.20% | 0.13% | 0.13% | -24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | -0.02% | 0.00% | 0.00% | 0.03% | 0.00% | +2 bps | |
| Allowance / Loans | 1.32% | 1.19% | 1.17% | 1.09% | 1.05% | 1.02% | 0.99% | 0.96% | -13 bps | |
| Allowance Coverage of NPLs | n/a | 29.6x | 14.0x | 3.0x | 2.7x | 5.0x | 7.5x | 7.5x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.01% | 10.38% | 10.34% | 9.77% | 10.08% | 9.68% | 10.18% | -16 bps | |
| Total Risk-Based Capital | 14.40% | 14.31% | 14.34% | 13.80% | 13.54% | 13.36% | 13.29% | 13.27% | -53 bps | |
| Equity / Assets | 10.38% | 10.12% | 10.25% | 9.93% | 9.94% | 9.87% | 9.79% | 10.12% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.50% | 104.26% | 102.51% | 101.11% | 101.16% | 105.57% | 101.75% | 100.34% | -77 bps | |
| Liquid Assets / Assets | 2.99% | 3.49% | 2.52% | 2.37% | 2.67% | 2.21% | 2.04% | 2.47% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 239% | 263% | 259% | n/a | n/a | |