Mid-Central National Bank
Wadena, MN · Cert 30943 · Peer group: banks under $1B in assets in MN (n=111-113) · Jiko Group Inc.
National charter · OCC · 3 branches
Q2 2026
$117.1MAssets
$89.1MLoans
$94.9MDeposits
$21.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in MN (rank 5 of 113).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets in MN (rank 104 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 102 of 113
Net Interest Margin
5.02%
Rank 5 of 113
Efficiency Ratio
82.05%
Rank 104 of 113
Equity / Assets
18.18%
Rank 5 of 113
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 9% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.87% | 1.20% | 1.41% | Beats 10% | 102 / 113 | |
| Return on Equity | 3.28% | 8.92% | 11.27% | 13.99% | Beats 10% | 102 / 113 | |
| Net Interest Margin | 5.02% | 3.42% | 3.88% | 4.31% | Beats 96% | 5 / 113 | |
| Efficiency Ratio | 82.05% | 54.13% | 61.48% | 69.86% | Beats 9% | 104 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.58% | 1.82% | Beats 44% | 63 / 111 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 46% | 62 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 24.82% | 11.53% | 13.31% | 18.13% | Beats 88% | 13 / 113 | |
| Total Risk-Based Capital Ratio | 25.94% | 12.12% | 14.43% | 19.39% | Beats 89% | 12 / 113 | |
| Equity / Assets | 18.18% | 8.52% | 10.10% | 11.94% | Beats 96% | 5 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 93.97% | 62.08% | 77.32% | 88.06% | 83rd pctl | 19 / 111 | |
| Loans / Assets | 76.10% | 55.01% | 66.35% | 75.50% | 76th pctl | 27 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |