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MidCountry Bank

$1B-$10B Specialty: Commercial MN FDIC cert 28865

Designations: ✓ Community bank

Minneapolis, MN

16 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
  • Deposits -6.5% year over year ($835.8M on the books).
  • Delinquency rate 0.92%.
  • Return on assets 1.03%.
  • Efficiency ratio 61.72% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.63% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN
View $1B-$10B leaderboard (MN) →

MidCountry Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 6.2% in tier
  • - Flatlined Growth: Bottom 32.1% in tier
  • - ROA 0.36% below tier average
  • - Efficiency Ratio 1.99% above tier average
  • - Delinquency Rate 0.05% above tier average
Get updates when MidCountry Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $1.1B
-0.2% YoY +2.6% QoQ
-$1.7B $2.8B
-0.6% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 7.2% in tier
Total Loans ? $724.0M
-3.2% YoY +5.3% QoQ
-$1.2B $2.0B
-0.3% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 8.8% in tier
Total Deposits ? $835.8M
-6.5% YoY -0.7% QoQ
-$1.5B $2.3B
-0.5% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 2.8% in tier
Return on Assets ? 1.03%
+24.6% YoY -15.6% QoQ
-0.36% 1.39%
+17.0% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.97%
+10.9% YoY -4.4% QoQ
+0.10% 3.87%
+6.2% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 61.72%
-7.0% YoY +6.3% QoQ
+1.99% 59.73%
-12.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.92%
-58.0% YoY -41.5% QoQ
+0.05% 0.87%
+11.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 86.63%
+3.5% YoY +6.0% QoQ
+1.59% 85.04%
-0.1% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
52%
Non-Interest-Bearing Deposit Share ? 20.54%
+14.8% YoY +1.5% QoQ
-0.73% 21.27%
-1.5% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
54%
Nonperforming Asset Ratio ? 0.74%
-51.6% YoY -28.6% QoQ
+0.07% 0.67%
+11.7% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 15.98%
+4.2% YoY -5.2% QoQ
+1.14% 14.84%
-0.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.14%
+7.6% YoY +99.3% QoQ
-0.38% 0.53%
+2.5% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 20.5%
+2.7pp YoY
+0.3pp QoQ
 -0.8pp 21.4% 21.9% 22.2% 54%
Brokered Deposits n/a n/a 9.5% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 9.3%
-2.3pp YoY
+0.5pp QoQ
 -4.7pp 14.0% 14.6% 12.5% 41%
CRE 66.7%
+3.2pp YoY
+0.9pp QoQ
 +16.7pp 50.0% 36.5% 41.4% 85%
1-4 Family 14.9%
-0.8pp YoY
-0.7pp QoQ
 -11.5pp 26.4% 29.4% 31.3% 30%
Consumer 4.3%
-0.9pp YoY
-0.5pp QoQ
 -0.4pp 4.7% 4.5% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 16.0%
+0.7pp YoY
-0.9pp QoQ
 +0.4pp 15.6% 16.5% 19.7% 78%
Leverage Ratio 13.0%
+0.7pp YoY
-0.2pp QoQ
 +1.7pp 11.3% 11.0% 12.6% 85%
Total Capital Ratio 17.2%
+0.6pp YoY
-0.9pp QoQ
 +0.5pp 16.7% 17.6% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 124
+5 (+4.2%) YoY
+5 (+4.2%) QoQ
 -190 313 55 482 15%
Assets per Employee ($) $8.6M
-4.2% YoY
-1.5% QoQ
 -$1.8M $10.5M $8.6M $8.8M 50%
Branch Count 16
0 YoY
0 QoQ
 -4 20 4 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 58%
Nonaccrual 0.9%
-1.3pp YoY
-0.6pp QoQ
 +0.1pp 0.8% 1.0% 1.0% 70%
Allowance Coverage 1.98x
+153.8% YoY
+63.0% QoQ
 -16.73x 18.71x 20.41x 20.23x 48%
Net Charge-off Rate (YTD) 0.0%
-0.3pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 8.1%
+0.9pp YoY
-1.4pp QoQ
 -4.5pp 12.6% 13.1% 11.6% 20%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.7% 1.7% 28%
Net Income ($, YTD) $5.4M
+19.0% YoY
— QoQ
 -$13.8M $19.2M $4.5M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Constraint

risk
#3 of 32 • Bottom 6.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 86.63%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.98%
(Tier: 14.84%, National: 17.09%)
better than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 banks QoQ

Flatlined Growth

risk
#53 of 162 • Bottom 32.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.03%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

174
Tier 1 Capital Ratio
capital
Value: 15.98%
Peer Median: 14.84%
#174 of 885 Top 19.5% in $1B-$10B

Top Weaknesses (4 metrics)

861
Total Deposits
size
Value: $835.80M
Peer Median: $2.32B
#861 of 885 Bottom 2.8% in $1B-$10B
822
Total Assets
size
Value: $1.07B
Peer Median: $2.79B
#822 of 885 Bottom 7.2% in $1B-$10B
808
Total Loans
size
Value: $724.02M
Peer Median: $1.96B
#808 of 885 Bottom 8.8% in $1B-$10B
735
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#735 of 885 Bottom 17.1% in $1B-$10B
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