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MidAmerica National Bank

$100M-$1B Specialty: Commercial IL FDIC cert 3612

Canton, IL

6 branches across IL

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 211 in IL.
  • Deposits +5.1% year over year ($613.0M on the books).
  • Delinquency rate 4.44%.
  • Return on assets 0.85%.
  • Efficiency ratio 69.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.79% 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 211 in IL
View $100M-$1B leaderboard (IL) →

MidAmerica National Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 18.2% in tier
  • - Capital Thin: Bottom 33.6% in tier
  • - Cost Spiral: Bottom 52.9% in tier
  • - Delinquency Rate 3.52% above tier average
  • - Nonperforming Asset Ratio 2.62% above tier average
Get updates when MidAmerica National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $685.0M
+4.7% YoY +3.5% QoQ
+$298.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 13.3% in tier
Total Loans ? $440.1M
-0.6% YoY +0.7% QoQ
+$181.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $613.0M
+5.1% YoY +3.8% QoQ
+$286.3M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 11.3% in tier
Return on Assets ? 0.85%
-18.6% YoY -2.7% QoQ
-0.48% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 3.98%
-2.8% YoY +0.5% QoQ
-0.01% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 69.55%
+9.0% YoY -1.1% QoQ
+5.07% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 4.44%
-12.8% YoY -5.8% QoQ
+3.52% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 3.2% in tier
Loan-to-Deposit Ratio ? 71.79%
-5.5% YoY -3.0% QoQ
-6.17% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 21.72%
-8.3% YoY -10.6% QoQ
-0.31% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
53%
Nonperforming Asset Ratio ? 3.29%
-4.8% YoY -1.5% QoQ
+2.62% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 2.8% in tier
Tier 1 Capital Ratio ? 9.86%
-4.7% YoY -0.5% QoQ
-6.05% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 8.9% in tier
Non-Interest Income / Assets ? 0.32%
+14.2% YoY +85.1% QoQ
-0.24% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
76%

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 (IL) National Avg Tier Percentile
Noninterest-Bearing 21.7%
-2.0pp YoY
-2.6pp QoQ
 -0.4pp 22.1% 20.1% 22.2% 53%
Brokered Deposits 2.1%
-0.1pp YoY
-0.1pp QoQ
 -5.7pp 7.9% 8.0% 8.5% 31%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 9.7%
-0.4pp YoY
+0.6pp QoQ
 -1.9pp 11.6% 14.7% 12.5% 51%
CRE 43.5%
-2.5pp YoY
-0.6pp QoQ
 +4.0pp 39.5% 37.9% 41.4% 59%
1-4 Family 16.2%
+1.4pp YoY
+0.1pp QoQ
 -16.4pp 32.6% 28.3% 31.3% 22%
Consumer 9.2%
+0.3pp YoY
0.0pp QoQ
 +5.0pp 4.1% 5.4% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 9.9%
-0.5pp YoY
0.0pp QoQ
 -2.3pp 12.2% 12.2% 12.6% 28%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 126
+3 (+2.4%) YoY
+3 (+2.4%) QoQ
 +67 58 228 482 94%
Assets per Employee ($) $5.4M
+2.2% YoY
+1.0% QoQ
 -$2.1M $7.5M $8.3M $8.8M 21%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-2.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 33%
Nonaccrual 4.4%
+1.4pp YoY
-0.2pp QoQ
 +3.5pp 0.9% 1.1% 1.0% 97%
Allowance Coverage 0.36x
+14.7% YoY
+0.6% QoQ
 -23.79x 24.15x 5.62x 20.23x 5%
Net Charge-off Rate (YTD) 0.4%
+0.1pp YoY
+0.4pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.4%
-1.9pp YoY
-0.1pp QoQ
 -3.8pp 12.2% 10.5% 11.6% 28%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 21%
Net Income ($, YTD) $2.8M
-15.5% YoY
— QoQ
 +$247K $2.6M $11.7M $40.4M 67%

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 (3)

Margin Compression

decline
#57 of 307 • Bottom 18.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.85%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Capital Thin

risk
#223 of 661 • Bottom 33.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.86%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Cost Spiral

risk
#74 of 138 • Bottom 52.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 69.55%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 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 (4 metrics)

300
Total Deposits
size
Value: $613.02M
Peer Median: $326.73M
#300 of 2643 Top 11.3% in $100M-$1B
353
Total Assets
size
Value: $685.04M
Peer Median: $386.57M
#353 of 2643 Top 13.3% in $100M-$1B
453
Total Loans
size
Value: $440.06M
Peer Median: $258.35M
#453 of 2643 Top 17.1% in $100M-$1B
640
Non-Interest Income / Assets
revenue_mix
Value: 0.32%
Peer Median: 0.57%
#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (3 metrics)

2571
Nonperforming Asset Ratio
credit_quality
Value: 3.29%
Peer Median: 0.67%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2550
Delinquency Rate
credit_quality
Value: 4.44%
Peer Median: 0.92%
#2550 of 2633 Bottom 3.2% in $100M-$1B
2410
Tier 1 Capital Ratio
capital
Value: 9.86%
Peer Median: 15.91%
#2410 of 2643 Bottom 8.9% in $100M-$1B
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