| Metric | Mid America Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.5% | +5.5% | +16.0 pts |
| Deposit growth (YoY) | +27.8% | +5.1% | +22.8 pts |
| Loan growth (YoY) | +8.9% | +5.9% | +2.9 pts |
| ROA | 2.07% | 1.26% | +0.8 pts |
| ROE | 18.1% | 12.2% | +5.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.03B | $814.3M | $136.0M | $12.1M | 2.07% | 4.54% | 0.63% |
| Q1 2026 | $1.19B | $1.05B | $800.2M | $132.6M | $6.3M | 2.19% | 4.53% | 0.13% |
| Q4 2025 | $1.11B | $967.2M | $792.0M | $130.7M | $23.7M | 2.29% | 4.76% | 0.13% |
| Q3 2025 | $1.05B | $896.1M | $769.8M | $126.9M | $17.7M | 2.32% | 4.74% | 0.09% |
| Q2 2025 | $972.7M | $808.0M | $748.0M | $122.1M | $11.7M | 2.32% | 4.72% | 0.09% |
| Q1 2025 | $1.07B | $935.0M | $736.2M | $118.3M | $5.4M | 2.11% | 4.48% | 0.07% |
| Q4 2024 | $979.8M | $847.5M | $719.7M | $115.6M | $20.0M | 2.09% | 4.64% | 0.11% |
| Q3 2024 | $936.4M | $789.6M | $723.8M | $114.8M | $15.5M | 2.17% | 4.65% | 0.21% |
Loan mix (Q2 2026): real estate $662.5M · commercial $136.8M · consumer $13.7M · securities $153.2M
| Ratio | Mid America Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.26% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.2% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 59.0% | 29th |
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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