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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 1.17% | 1.07% | 1.02% | 0.44% | -0.75% | 0.87% | 0.82% | -19 bps | |
| Return on Equity | 6.31% | 11.79% | 10.60% | 10.02% | 4.38% | -7.29% | 8.52% | 8.33% | -169 bps | |
| Net Interest Margin | 3.50% | 3.65% | 3.75% | 3.95% | 3.69% | 3.39% | 3.71% | 3.82% | -13 bps | |
| Efficiency Ratio | 66.56% | 65.62% | 62.16% | 65.39% | 69.10% | 81.73% | 70.35% | 68.76% | +337 bps | |
| Non-Interest Burden | 2.13% | 2.10% | 2.11% | 2.38% | 2.33% | 2.66% | 2.40% | 2.43% | +4 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 | 0.06% | 0.07% | 0.30% | 0.16% | 0.28% | 3.23% | 0.01% | 0.71% | +55 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 | |