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Midamerica National Bank

Canton, IL · Cert 3612 · Midamerica Natl Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 in IL (n=149 to 151). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

32

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

Midamerica National Bank

Canton, IL · Cert 3612 · Midamerica Natl Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$685.0MAssets
$447.2MLoans
$613.0MDeposits
$66.6MEquity
Loan mix
80%RE $329.6M10%C&I $40.0M10%Consumer $40.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $479.9M22%Noninterest $133.1MQ2 2025Q2 2026

NIM

4.94%Q2 ’245.06%Q2 ’254.85%Q2 ’26+14%-3%

Non-interest income vs. expense

2.57%Q2 ’242.82%Q2 ’253.06%Q2 ’26+12%+7%

Market Position · Peoria, IL · 2026 SOD (annual) · 0.8% share · #20 of 35 inst. · $0.1B of $10.0B

34.7% Fulton
20.1% McDonough
21.7% Marshall

Executive Summary

  • Earnings: ROA of 0.85%, down 19 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 4.37% of loans (-64 bps YoY), with net charge-offs at 0.36%.
  • Capital: tier 1 leverage ratio of 9.86%, down 48 bps from a year ago.
  • Funding: loans stand at 72.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-11 bps YoY

Efficiency Ratio (YTD, annualized)

69.55%+574 bps YoY

Tier 1 Leverage Ratio

9.86%-48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%0.84%0.44%0.87%0.85%-19 bps
Return on Equity10.33%8.29%4.33%8.52%8.43%-190 bps
Net Interest Margin3.85%3.73%3.65%3.71%3.74%-11 bps
Efficiency Ratio63.81%65.60%69.39%70.35%69.55%+574 bps
Non-Interest Burden2.24%2.23%2.34%2.40%2.39%+15 bps
Growth
Asset Growth (YoY)1.60%3.62%1.67%5.08%4.68%+307 bps
Loan Growth (YoY)1.58%4.44%0.47%-0.57%-0.60%-218 bps
Deposit Growth (YoY)1.25%3.55%1.18%5.65%5.14%+388 bps
Asset Quality
Nonperforming Loans / Loans5.01%4.69%4.04%4.63%4.37%-64 bps
Net Charge-Offs / Loans0.23%0.24%0.99%0.01%0.36%+13 bps
Allowance / Loans1.59%1.73%1.63%1.68%1.59%0 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.4x0.4x0.0x
Capital
Tier 1 Leverage Ratio10.34%10.09%9.80%9.90%9.86%-48 bps
Total Risk-Based Capital10.34%10.09%9.80%9.90%9.86%-48 bps
Equity / Assets10.04%10.26%10.34%10.06%9.72%-32 bps
Liquidity & Funding
Loans / Deposits77.16%78.71%79.56%75.27%72.95%-421 bps
Liquid Assets / Assets5.55%4.63%3.73%8.30%9.72%+417 bps
CRE / Total Capitaln/a311%308%298%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

Midamerica National Bank

Canton, IL · Cert 3612 · Peer group: banks under $1B in assets in IL (n=149-151) · Midamerica Natl Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$685.0MAssets
$447.2MLoans
$613.0MDeposits
$66.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 71% of banks under $1B in assets in IL (rank 44 of 151).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in IL (rank 147 of 151).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.82%

Rank 100 of 151

Net Interest Margin

3.74%

Rank 44 of 151

Efficiency Ratio

70.05%

Rank 104 of 151

Equity / Assets

9.72%

Rank 97 of 151

Non-interest income vs. expense

$4.4M$20.5MINCOMEEXPENSE
Unfavorable gap of $16.0M · efficiency ratio beats 32% of banks under $1B in assets in IL
Bank 70.05%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.70%1.03%1.34%Beats 34%100 / 151
Return on Equity8.42%6.74%9.34%12.94%Beats 40%90 / 151
Net Interest Margin3.74%3.02%3.43%3.83%Beats 71%44 / 151
Efficiency Ratio70.05%54.64%64.89%72.50%Beats 32%104 / 151
Asset Quality
Nonperforming Loans / Loans4.37%0.20%0.66%1.77%Beats 7%140 / 149
Net Charge-Offs / Loans0.22%0.00%0.02%0.07%Beats 13%130 / 149
Capital
Tier 1 Capital Ratio9.86%11.83%14.17%18.66%Beats 3%147 / 151
Total Risk-Based Capital Ratio9.86%12.22%14.54%19.92%Beats 3%147 / 151
Equity / Assets9.72%9.10%10.65%12.40%Beats 36%97 / 151
Liquidity & Funding
Loans / Deposits72.95%54.39%71.02%80.75%54th pctl69 / 149
Loans / Assets65.28%45.91%61.31%68.01%61st pctl59 / 151
Brokered Deposits / Depositsn/aNot reported for this institution