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
Unfavorable gap of $16.0M · efficiency ratio beats 32% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |