| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | -0.6% | +5.3% | -5.9 pts |
| ROA | 0.85% | 1.28% | -0.4 pts |
| ROE | 8.4% | 12.4% | -4.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $685.0M | $613.0M | $440.1M | $66.6M | $2.8M | 0.85% | 3.98% | 3.29% |
| Q1 2026 | $662.2M | $590.7M | $437.2M | $66.6M | $1.4M | 0.87% | 3.96% | 3.34% |
| Q4 2025 | $640.2M | $567.5M | $444.2M | $66.2M | $2.8M | 0.44% | 3.95% | 3.29% |
| Q3 2025 | $660.6M | $588.0M | $454.8M | $67.8M | $4.0M | 0.84% | 4.03% | 3.29% |
| Q2 2025 | $654.4M | $583.1M | $442.7M | $65.7M | $3.3M | 1.04% | 4.09% | 3.45% |
| Q1 2025 | $630.2M | $559.1M | $440.1M | $64.9M | $1.7M | 1.07% | 4.04% | 3.65% |
| Q4 2024 | $629.7M | $560.9M | $442.4M | $61.9M | $5.9M | 0.93% | 3.78% | 2.20% |
| Q3 2024 | $637.5M | $567.9M | $436.0M | $63.5M | $4.0M | 0.85% | 3.72% | 1.56% |
Loan mix (Q2 2026): real estate $327.6M · commercial $42.7M · consumer $40.3M · securities $138.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | MidAmerica National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.28% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 61.2% | 72th |
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 | MidAmerica National 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 | MidAmerica National 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 | MidAmerica National 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 | MidAmerica National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.