# MID AMERICA BANK
JEFFERSON CITY, MO · FDIC certificate 11459 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.18B | |
| Deposits | $1.03B | |
| Loans and leases | $823.7M | |
| Total equity | $136.0M | |
| Loans / deposits | 78.84% (p30 of band) | 87.10% |
| Liquid assets / assets | 26.83% (p69 of band) | |
| Uninsured deposits / deposits | 49.89% (p90 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.21% (p16 of band) | |
| FHLB advances / assets | 0.21% | |
| Tier 1 leverage | 10.76% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -1.50% (p84 of band) | -7.75% |
| AOCI / equity | -0.45% (p39 of band) | |
| ROA (annualized) | 2.07% (p90 of band) | 1.26% |
| Net interest margin | 4.54% (p88 of band) | 3.70% |
| Efficiency ratio | 52.26% (p30 of band) | |
| Noncurrent loans | 0.89% (p70 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p9 of band) | |
| Reserve coverage of noncurrent | 127.30% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 106.98% (p91 of band) | |
| Auto loans | $6.8M (0.83% of loans; DQ 1.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 27.8% | |
| Employees | 146 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 2 | liquid assets <10%, construction >100% equity | uninsured deposits leaving |
| 2013-03 | 4 | uninsured deposits >50%, capital falling, run vulnerability | liquid assets <10% |
| 2013-06 | 3 |  | run vulnerability |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | construction >100% equity, capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | run vulnerability |  |
| 2015-09 | 1 | deposits shrinking | uninsured deposits >50%, run vulnerability |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 1 | uninsured deposits >50% |  |
| 2016-06 | 0 |  | uninsured deposits >50% |
| 2016-09 | 1 | uninsured deposits >50% |  |
| 2016-12 | 2 | construction >100% equity |  |
| 2017-03 | 1 |  | construction >100% equity |
| 2017-06 | 4 | run vulnerability, reserve under noncurrent, construction >100% equity |  |
| 2017-09 | 2 | deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, run vulnerability, reserve under noncurrent, construction >100% equity |
| 2017-12 | 3 | uninsured deposits >50%, run vulnerability, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 3 | capital falling, construction >100% equity | run vulnerability |
| 2018-12 | 2 |  | uninsured deposits >50% |
| 2019-03 | 3 | uninsured deposits >50% |  |
| 2019-06 | 2 | loans exceed deposits | construction >100% equity, uninsured deposits >50% |
| 2019-09 | 0 |  | capital falling, loans exceed deposits |
| 2019-12 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2020-03 | 1 |  | run vulnerability |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2021-09 | 2 | uninsured deposits >50% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 4 | capital falling, run vulnerability, construction >100% equity |  |
| 2022-12 | 0 |  | uninsured deposits >50%, capital falling, run vulnerability, construction >100% equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | construction >100% equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2024-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2025-06 | 1 |  | uninsured deposits >50%, capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2026-06 | 2 |  | uninsured deposits >50% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-22 [Mid America Bank hosts the Think Pink Putting Challenge - KRCG](https://news.google.com/rss/articles/CBMisgFBVV95cUxQeFN3VUZHSVRqVENnM1JnUkNSZjVtVTktSFhxbDEwSTZ2TlBNS0lucGxwaDlwd1RXX1YyTjFXb1QwTzlHS1Y5UkdhLTBpSWFOekZIZFFfaXVyQThlY3AtVUlTTWh5YWRqOHlnNm5pZDBLM0phNXY2ZEFJT29wTG9MSkMzRFRoaVN1QWRVdmhrNDR3U2hXNDZMb2VNZi1SWmFMZjB3UWZEM2JOMWtFVWNuNzVR?oc=5) · KRCG
- 2026-06-01 [Newest Jefferson City sports complex hosting semi-pros, concerts, watch parties this summer - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxOS1ZHcFVEdzcydDQzd2xXSlhBNlU4TUJFRmd1ejBBc1U1NEhGRXJJUUJnN3AzVW03dHVFWTVfaVY5bHlQQnhVeUZfMGlxSWZyd0FSZUlfcGhoNXlwQlZud052YVVVMWZjZFZmLXhxbDlaYXFEbm45enNLbEx2akFOREdpcjBRblRKdnZfTUtHNGk0QQ?oc=5) · Jefferson City News Tribune
- 2025-03-17 [(LISTEN): New multi-million dollar bank in south Columbia highlights financial services' growth in area economy - 93.9 The Eagle](https://news.google.com/rss/articles/CBMizAFBVV95cUxOUUk4ZEZ4VjZwQ0w4cmRkd1J5RDF2Y1h0YUs4R2NNTU9FeEg2eWhKZ19GVnBvZUhzVjVqd0h2ZFU3T1c2TmFTaTFHOFNBbmk0X2x0cVhGcnl2Z1hLLS1qdGcyWi04VndvOUZhRzNZNWdvd0dDVkx2UFpkWHllUEowTEEwU0xtdmJHTUpNc2dpT1NyQkdCVjRjTGZYVlZ3S3pGYm9NVlpIZkwwTjcwT0pEVWlMMWlEcTB2ajhhVXpSUjB0YkVJc3F3U2VmTFM?oc=5) · 93.9 The Eagle
- 2022-10-28 [PYSK: Brad Roling - COMO Magazine](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBscnRXa2xxcFlHUDk4eWhvLUNMWGpKcENGaE04SW9SSVVjcFV2RTh0YndGQ1VvT21ZeG9RZEVwMTlfU2pUc1U1aWxmYnpwLTNEUjhCNzVzV1R6YXla?oc=5) · COMO Magazine
- 2022-03-26 [Mid America Bank announces leadership changes - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxOU1lDTXhWM1pmT3lXdU9Hc3ZEdVdvWlJqN0tSSEdnSFRHd0ROdF9tVWwwV2RodmtJcUEzTjlIUTUzbTU4SnBGVlJQWjBtUHlzZmtKNVIzMUdpLUpkMXNPNmFDX2JBdmU1bk9SdlItVzh4TlVOenhkMDlRb1JmOFlpc2NfaVdwcGhHck52YmVGdDlEY0NnOGc?oc=5) · Jefferson City News Tribune
- 2025-06-19 [United Capital City Soccer Club nears turf at new Jefferson City sports complex - KRCG](https://news.google.com/rss/articles/CBMirgFBVV95cUxPekJJVmlrekRiWUVxNkZvYV9HZ3pEOEdkT1JfV1NLRlM3OGNZLWxJZVZEeUZEaTJhYkpxWDNYQ3VUWU9JZ25BRmZGX01WVklZOEN3aEJlV0pENXlVU0NuVGJsU2pzbUFrU1l1NGR3NnpEZWk1VXNZLWxDTjlBaW45SXVYSzAxZ2NJUFhKZWhsTkdseUNiblk3MldIZnFORlY0X2xabTg4XzY3RWZhc0E?oc=5) · KRCG
- 2020-09-27 [BizBeat: Mid America Bank opens new Jefferson City location - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMinAFBVV95cUxQVURRdE1rWmFlc2pJT1dkZmRlX2dxRnA3NXo2ejFrZXBDeTFNZm1OVXMyOWE1N0VpWVo2YU1JREY4b3VRc0NmTXBRX0JsYzAtRHdXQ2RsUms2LXFCM3hvdEFjY25GaVpsOEt1NHBzNVByRTRmeXg0QmhDZ3lhSk9MeGZGeGNuN3VfV3d3NDRhNXpmeDUwZ1ZZNXk5Rzc?oc=5) · Jefferson City News Tribune
- 2016-07-28 [Bankers' Challenge 2016 - Mid America Bank vs Missouri Special Olympics - KRCG](https://news.google.com/rss/articles/CBMisgFBVV95cUxNaGdtcHdoSjlPbjZTRm00ZHR3Y25Qc0tLSnpEVTRHcjh1aUlmMUhnaGV4RDBnSDhrSE5PejJYWUJiZnFCaFl0YjNfcEpDeFlFWDJvb3diX2Nack11a21PaHphd0lIYkVUcW9TMGhRclRxQUo5MFdTcXl5eGhWaWRlZG83LWc2eTE2N21HTGx6TkVCZnB3bDl2WEtUNEdPeURUQjFKcEJibERtTmFqZ0Vad0J3?oc=5) · KRCG

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11459 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "11459", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide