Canton, IL · Cert 3612 · Midamerica Natl Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
14
Asset Quality
10
Profitability
48
Liquidity
90
Efficiency
32
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.
Canton, IL · Cert 3612 · Midamerica Natl Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Peoria, IL · 2026 SOD (annual) · 0.8% share · #20 of 35 inst. · $0.1B of $10.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.93% | 1.07% | 1.04% | 0.84% | 0.44% | 0.87% | 0.85% | -19 bps | |
| Return on Equity | 8.76% | 9.57% | 10.60% | 10.33% | 8.29% | 4.33% | 8.52% | 8.43% | -190 bps | |
| Net Interest Margin | 3.41% | 3.48% | 3.75% | 3.85% | 3.73% | 3.65% | 3.71% | 3.74% | -11 bps | |
| Efficiency Ratio | 65.50% | 65.53% | 62.16% | 63.81% | 65.60% | 69.39% | 70.35% | 69.55% | +574 bps | |
| Non-Interest Burden | 2.04% | 2.06% | 2.11% | 2.24% | 2.23% | 2.34% | 2.40% | 2.39% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.29% | 2.71% | 2.26% | 1.60% | 3.62% | 1.67% | 5.08% | 4.68% | +307 bps | |
| Loan Growth (YoY) | 3.21% | 3.35% | 3.85% | 1.58% | 4.44% | 0.47% | -0.57% | -0.60% | -218 bps | |
| Deposit Growth (YoY) | 5.29% | 3.28% | 1.99% | 1.25% | 3.55% | 1.18% | 5.65% | 5.14% | +388 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.24% | 3.07% | 5.13% | 5.01% | 4.69% | 4.04% | 4.63% | 4.37% | -64 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.12% | 0.30% | 0.23% | 0.24% | 0.99% | 0.01% | 0.36% | +13 bps | |
| Allowance / Loans | 1.62% | 1.57% | 1.57% | 1.59% | 1.73% | 1.63% | 1.68% | 1.59% | 0 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.5x | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.87% | 10.22% | 10.34% | 10.09% | 9.80% | 9.90% | 9.86% | -48 bps | |
| Total Risk-Based Capital | 9.68% | 9.87% | 10.22% | 10.34% | 10.09% | 9.80% | 9.90% | 9.86% | -48 bps | |
| Equity / Assets | 9.97% | 9.83% | 10.29% | 10.04% | 10.26% | 10.34% | 10.06% | 9.72% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.03% | 80.12% | 79.97% | 77.16% | 78.71% | 79.56% | 75.27% | 72.95% | -421 bps | |
| Liquid Assets / Assets | 3.36% | 1.57% | 1.86% | 5.55% | 4.63% | 3.73% | 8.30% | 9.72% | +417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 311% | 308% | 298% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.70% | 1.03% | 1.34% | Beats 34% | 100 / 151 | ||
| Return on Equity | 8.42% | 6.74% | 9.34% | 12.94% | Beats 40% | 90 / 151 | ||
| Net Interest Margin | 3.74% | 3.02% | 3.43% | 3.83% | Beats 71% | 44 / 151 | ||
| Efficiency Ratio | 70.05% | 54.64% | 64.89% | 72.50% | Beats 32% | 104 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.37% | 0.20% | 0.66% | 1.77% | Beats 7% | 140 / 149 | ||
| Net Charge-Offs / Loans | 0.22% | 0.00% | 0.02% | 0.07% | Beats 13% | 130 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.86% | 11.83% | 14.17% | 18.66% | Beats 3% | 147 / 151 | ||
| Total Risk-Based Capital Ratio | 9.86% | 12.22% | 14.54% | 19.92% | Beats 3% | 147 / 151 | ||
| Equity / Assets | 9.72% | 9.10% | 10.65% | 12.40% | Beats 36% | 97 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.95% | 54.39% | 71.02% | 80.75% | 54th pctl | 69 / 149 | ||
| Loans / Assets | 65.28% | 45.91% | 61.31% | 68.01% | 61st pctl | 59 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||