Midcountry Bank
Bloomington, MN · Cert 28865 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Midcountry Acquisition Corp.
State savings bank · OCC · 3 affiliate banks · 16 branches (26 in holding)
Q2 2026
$1.1BAssets
$737.2MLoans
$835.8MDeposits
$133.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 45 of 258).
- Widest gap: net charge-offs / loans trails 85% of banks $1B-$10B in assets operating in a single state (rank 221 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.01%
Rank 176 of 258
Net Interest Margin
3.73%
Rank 85 of 258
Efficiency Ratio
63.39%
Rank 164 of 257
Equity / Assets
12.46%
Rank 47 of 258
Non-interest income vs. expense
Unfavorable gap of $23.6M · efficiency ratio beats 37% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.93% | 1.23% | 1.54% | Beats 32% | 176 / 258 | | |
| Return on Equity | 8.10% | 9.26% | 11.84% | 14.74% | Beats 18% | 211 / 258 | | |
| Net Interest Margin | 3.73% | 3.16% | 3.49% | 3.88% | Beats 67% | 85 / 258 | | |
| Efficiency Ratio | 63.39% | 51.71% | 60.30% | 69.65% | Beats 37% | 164 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.19% | 0.46% | 0.90% | Beats 25% | 194 / 258 | | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.02% | 0.07% | Beats 15% | 221 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.98% | 11.41% | 12.98% | 15.12% | Beats 80% | 51 / 258 | | |
| Total Risk-Based Capital Ratio | 17.23% | 12.10% | 13.91% | 16.08% | Beats 83% | 45 / 258 | | |
| Equity / Assets | 12.46% | 9.09% | 10.24% | 11.72% | Beats 82% | 47 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.20% | 73.24% | 86.34% | 95.95% | 57th pctl | 111 / 258 | | |
| Loans / Assets | 68.86% | 63.01% | 72.27% | 78.40% | 37th pctl | 162 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |