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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

5.06%Q2 ’245.15%Q2 ’254.93%Q2 ’26+13%-3%

Non-interest income vs. expense

2.63%Q2 ’242.94%Q2 ’253.06%Q2 ’26+17%+2%

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 0.82%, down 19 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 4.37% of loans (-64 bps YoY), with net charge-offs at 0.71%.
  • 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 (quarter, annualized)

0.82%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.82%-13 bps YoY

Efficiency Ratio (quarter, annualized)

68.76%+337 bps YoY

Tier 1 Leverage Ratio

9.86%-48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%0.44%-0.75%0.87%0.82%-19 bps
Return on Equity10.02%4.38%-7.29%8.52%8.33%-169 bps
Net Interest Margin3.95%3.69%3.39%3.71%3.82%-13 bps
Efficiency Ratio65.39%69.10%81.73%70.35%68.76%+337 bps
Non-Interest Burden2.38%2.33%2.66%2.40%2.43%+4 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 / Loans0.16%0.28%3.23%0.01%0.71%+55 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