| Metric | Mid-America Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.9% | +6.3 pts |
| Deposit growth (YoY) | +16.8% | +4.3% | +12.5 pts |
| Loan growth (YoY) | +16.1% | +5.3% | +10.7 pts |
| ROA | 1.72% | 1.28% | +0.4 pts |
| ROE | 17.3% | 12.4% | +4.9 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $573.3M | $456.4M | $453.6M | $58.0M | $4.8M | 1.72% | 3.65% | 0.10% |
| Q1 2026 | $566.8M | $435.3M | $438.5M | $55.5M | $2.2M | 1.61% | 3.57% | 0.10% |
| Q4 2025 | $548.8M | $408.9M | $427.3M | $54.2M | $8.0M | 1.57% | 3.85% | 0.16% |
| Q3 2025 | $525.6M | $407.1M | $407.5M | $52.2M | $6.0M | 1.60% | 3.82% | 0.31% |
| Q2 2025 | $515.7M | $390.7M | $390.7M | $51.2M | $4.0M | 1.63% | 3.76% | 0.28% |
| Q1 2025 | $480.3M | $357.5M | $362.2M | $49.3M | $1.9M | 1.62% | 3.75% | 0.06% |
| Q4 2024 | $466.9M | $346.4M | $356.8M | $47.2M | $6.8M | 1.56% | 3.73% | 0.03% |
| Q3 2024 | $446.5M | $306.8M | $343.6M | $46.4M | $4.8M | 1.50% | 3.68% | 0.00% |
Loan mix (Q2 2026): real estate $438.3M · commercial $8.8M · consumer $5.2M · securities $54.9M
| Ratio | Mid-America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 61.2% | 19th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mid-America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mid-America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mid-America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mid-America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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