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Mid-Central National Bank

$100M-$1B Specialty: Consumer MN FDIC cert 30943

Wadena, MN

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits -2.4% year over year ($94.9M on the books).
  • Delinquency rate 0.77%.
  • Return on assets 0.60%.
  • Efficiency ratio 82.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.18% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Mid-Central National Bank has 2 strengths 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 1.25% above tier average
  • + Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 5.9% in tier
  • - Liquidity Overhang: Bottom 10.1% in tier
  • - Efficiency Drag: Bottom 21.0% in tier
  • - Liquidity Strain: Bottom 24.0% in tier
  • - ROA 0.72% below tier average
Get updates when Mid-Central National 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 ? $117.1M
-1.3% YoY +0.2% QoQ
-$269.4M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 4.8% in tier
Total Loans ? $88.4M
+4.2% YoY -2.0% QoQ
-$170.0M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 14.1% in tier
Total Deposits ? $94.9M
-2.4% YoY -0.1% QoQ
-$231.9M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 4.1% in tier
Return on Assets ? 0.60%
-6.3% YoY -4.3% QoQ
-0.72% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 5.24%
+8.6% YoY +0.3% QoQ
+1.25% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Top 5.0% in tier
Efficiency Ratio ? 82.05%
+4.8% YoY +1.0% QoQ
+17.57% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Bottom 11.8% in tier
Delinquency Rate ? 0.77%
-33.7% YoY -34.3% QoQ
-0.15% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 93.18%
+6.8% YoY -1.9% QoQ
+15.22% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 12.38%
+17.3% YoY +1.2% QoQ
-9.65% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.58%
-36.1% YoY -35.8% QoQ
-0.09% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 24.82%
+0.8% YoY +3.6% QoQ
+8.92% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 7.0% in tier
Non-Interest Income / Assets ? 0.28%
-8.4% YoY +115.9% QoQ
-0.29% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
69%

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 12.4%
+1.8pp YoY
+0.1pp QoQ
 -9.8pp 22.1% 21.9% 22.2% 15%
Brokered Deposits n/a n/a 7.9% 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 5.8%
+1.2pp YoY
+0.1pp QoQ
 -5.8pp 11.6% 14.6% 12.5% 25%
CRE 9.5%
+0.2pp YoY
-0.8pp QoQ
 -30.0pp 39.5% 36.5% 41.4% 4%
1-4 Family 61.1%
+1.4pp YoY
+1.4pp QoQ
 +28.5pp 32.6% 29.4% 31.3% 91%
Consumer 16.3%
-4.0pp YoY
-0.9pp QoQ
 +12.2pp 4.1% 4.5% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 24.8%
+0.2pp YoY
+0.9pp QoQ
 +6.0pp 18.8% 16.5% 19.7% 89%
Leverage Ratio 14.9%
+1.2pp YoY
0.0pp QoQ
 +2.7pp 12.2% 11.0% 12.6% 86%
Total Capital Ratio 25.9%
+0.3pp YoY
+1.0pp QoQ
 +6.0pp 19.9% 17.6% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 36
+1 (+2.9%) YoY
+4 (+12.5%) QoQ
 -23 58 55 482 36%
Assets per Employee ($) $3.3M
-4.0% YoY
-10.9% QoQ
 -$4.3M $7.5M $8.6M $8.8M 2%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.3pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 64%
Nonaccrual 0.6%
-0.1pp YoY
-0.6pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 57%
Allowance Coverage 1.11x
+72.4% YoY
+63.5% QoQ
 -23.05x 24.15x 20.41x 20.23x 30%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 3.3%
-0.5pp YoY
-0.1pp QoQ
 -8.9pp 12.2% 13.1% 11.6% 9%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.7% 1.7% 5%
Net Income ($, YTD) $349,000
-9.8% YoY
— QoQ
 -$2.2M $2.6M $4.5M $40.4M 7%

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 (4)

Flatlined Growth

risk
#32 of 529 • Bottom 5.9% 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: 0.60%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Overhang

risk
#76 of 742 • Bottom 10.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.82%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Efficiency Drag

risk
#77 of 361 • Bottom 21.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 82.05%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#167 of 691 • Bottom 24.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

134
Net Interest Margin
profitability
Value: 5.24%
Peer Median: 3.99%
#134 of 2643 Top 5.0% in $100M-$1B
187
Tier 1 Capital Ratio
capital
Value: 24.82%
Peer Median: 15.91%
#187 of 2643 Top 7.0% in $100M-$1B

Top Weaknesses (7 metrics)

2536
Total Deposits
size
Value: $94.86M
Peer Median: $326.73M
#2536 of 2643 Bottom 4.1% in $100M-$1B
2518
Total Assets
size
Value: $117.15M
Peer Median: $386.57M
#2518 of 2643 Bottom 4.8% in $100M-$1B
2333
Efficiency Ratio
profitability
Value: 82.05%
Peer Median: 64.48%
#2333 of 2643 Bottom 11.8% in $100M-$1B
2272
Total Loans
size
Value: $88.39M
Peer Median: $258.35M
#2272 of 2643 Bottom 14.1% in $100M-$1B
2243
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2243 of 2643 Bottom 15.2% in $100M-$1B
2232
Non-Interest-Bearing Deposit Share
funding
Value: 12.38%
Peer Median: 22.03%
#2232 of 2643 Bottom 15.6% in $100M-$1B
2119
Loan-to-Deposit Ratio
liquidity
Value: 93.18%
Peer Median: 77.95%
#2119 of 2643 Bottom 19.9% in $100M-$1B
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