# MID-AMERICA BANK
BALDWIN CITY, KS · FDIC certificate 17374 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $573.3M | |
| Deposits | $456.4M | |
| Loans and leases | $458.0M | |
| Total equity | $58.0M | |
| Loans / deposits | 99.37% (p88 of band) | 82.04% |
| Liquid assets / assets | 14.05% (p14 of band) | |
| Uninsured deposits / deposits | 13.57% (p10 of band) | 25.97% |
| Brokered deposits | 3.13% | |
| Wholesale funding | 12.41% (p83 of band) | |
| FHLB advances / assets | 9.28% | |
| Tier 1 leverage | 10.18% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | 0.56% (p99 of band) | -8.10% |
| AOCI / equity | -1.23% (p18 of band) | |
| ROA (annualized) | 1.72% (p76 of band) | 1.28% |
| Net interest margin | 3.65% (p35 of band) | 3.91% |
| Efficiency ratio | 49.90% (p18 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 745.95% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 140.93% (p96 of band) | |
| Auto loans | $1.6M (0.35% of loans; DQ 2.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 16.8% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2012-12 | 2 |  | loans exceed deposits |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 | capital falling | uninsured deposits leaving |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2014-03 | 3 |  |  |
| 2014-06 | 4 | capital falling |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 5 | wholesale funding >15% |  |
| 2018-03 | 1 |  | loans exceed deposits, liquid assets <10%, capital falling, wholesale funding >15% |
| 2018-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2018-09 | 5 | wholesale funding >15%, capital falling |  |
| 2018-12 | 4 |  | wholesale funding >15% |
| 2019-03 | 6 | wholesale funding >15%, charge-offs p90 |  |
| 2019-06 | 5 |  | liquid assets <10% |
| 2019-09 | 4 |  | loans exceed deposits |
| 2019-12 | 3 |  | charge-offs p90 |
| 2020-03 | 2 |  | wholesale funding >15% |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | wholesale funding >15% |  |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | loans exceed deposits |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | liquid assets <10% |  |
| 2022-09 | 4 | wholesale funding >15% |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | capital falling |  |
| 2023-06 | 4 |  | liquid assets <10% |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | wholesale funding >15% |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 | wholesale funding >15% | capital falling |
| 2026-03 | 2 |  | wholesale funding >15% |
| 2026-06 | 1 |  | loans exceed deposits |

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

- 2026-08-18 [Mid America Bank Strengthens Community Banking Across Kansas With Local Service and Competitive Rates - Kitsap Sun](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPSV9LZnV4ZVh1WjMtZnRqbGNjeFh0Z2ZGREhONmhvZVRFbFo3RlFYZFZZdVpxUnpsOUR3T2Z3bnYxaWdmcFhNRXlWWGx6S3Q1Mll2bk5ZbUUwZkNyUWliWnVmMVRZak9wMnk4V0RlZFlwVm9pZElKTEJFbWNpZDU1ZFNPTHdXRUpYdkRfSnJWaFB2TGpuRmdPdGRoRy1MYzFfcTZvYkJCR0FsMS0wZldmRGdNb1dvT2QxRmRxZGNFOFZCTHZlanJSTjItQU9ySmprUlFYcWlud0tMNXZUOWd4SEZTZUdLdkc2Tk9z?oc=5) · Kitsap Sun
- 2025-07-14 [Love Columbia's savings program provides financial support to individuals in need - Columbia Missourian](https://news.google.com/rss/articles/CBMihwJBVV95cUxQZUx5ckpDaVRPb1FkOGZfNWFDTGhRX1ZYajkyWjMtNmNDX1pwM0QzMGVTeDlZRVQxaE9Ja21jcmd1VkNzenQ3Ync4M1dNRHBRckdjeDVNSGJWaURSQ05SX2l1LURUY2QzUXJoMWI1UmZzOUpLMWdjM1NrOEJBNF91VmJsNlMxZEUwbDFnV3QtUzlPRlBybUJJVnZvSW8yR0xwbDBMX21rV2xiclJNX0U5SUQ0dkRZZzVsWGxkZ0IwTHN0OVdhNGNheW1ybzdxVFMwQm5nZy1ha0ZsenZqY1lDTGRERTlENXQ2SDhpWUtPcHdrVmFXc1pEWmxOWkEtbW1ydS1zc19NOA?oc=5) · Columbia Missourian
- 2026-05-05 [Charles Patrick Garzillo Obituary May 5, 2026 - warrenmcelwain.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBReFc0a0RGR3Jib3c0WHR1d3RmX0pvaWY5cXpDN0xuTEFzWFJ4UHlOa0tobFgxTUFqT3BKTnAxa2YxOHl1eGJHTnc2RHI4YVoya1U1OW14M3lCVFZXSnA5NldGTFI1VnYtN0E?oc=5) · warrenmcelwain.com
- 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
- 2025-01-19 [Business Briefcase: Lawrence Board of REALTORS® 2024 Installations & Awards celebration - Lawrence Journal-World](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOS1ZRNDNXdTJJR09aM3NFa1FBUzRlUnlzRm5mWFBSeTFuSXlyeWgtNnRnM1F5OVZfYmM5RkF3bnI0bXM2c2x4eERNRGZfN3dqZTNKalBKUnlCZnFwVTlNU1JLaVlrUV8yU1RfMTdXeGYxdzJVVjEwdHdpWmxDWm5PUHRmY2pCZzF1MEJBNVdOZ25kdk5uNzZvQzVhN3c1STNfSTZUWGZTTkx4VzZUTlVFNmo0UnF5a3kzQlV2TzZmMHRSczk2cXhobjMteVdZeWFpVzFB?oc=5) · Lawrence Journal-World
- 2024-12-20 [Google Wallet supports 16 new US banks now - androidpolice.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNclpKM0FwMldQeUU2d29DMEp1UExpNmdVU0FsTHpRVnVhcW9Kb2pYTDZnV0QtTGlDMWhLcUY3X245bkRWSVU4OUlMM1RrUXZmV1dDU0lsS0RuaFA2WXZFMjJON055ZHprSmV0Z0dhT3A2a1hjdmhZbTV6OXVJLXFnTy1BMXg4Sk9oQldn?oc=5) · androidpolice.com
- 2026-08-28 [Lincoln University students explore job opportunities at career fair - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSDVhTXRIUGdsZUdVSk5jdFcyVjh6eXl1eTN2RlZIcDNEUVNKQzVUZE9VNDlWSEtiTEJoOXY4b1BnbDMwNlBJcUNkZF83TUJiZ09lU3E5WkNYdUFmazhocVVxY1pzN3RPUk5fUk9UcUNfX0ZYNTVJOEExRU1DMWFjMTM4Nk1iX1JWWXlJaDhrLWNVX1BNeVZxQQ?oc=5) · Jefferson City News Tribune
- 2025-08-09 [Richard Kampeter Obituary (2025) - Jefferson City, MO - Houser-Millard Funeral Directors - Jefferson City - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRWpuWFJhUVVFQzR6Rm5rNFB0UllMYU9YbHRWdUVEclFUa2lrOGtHWWpvT0VrN0FYVElRdV9WZzd4VWI5Z3JNNVNiZmZuUnBWeUItekNtOVdhX2FnelNaM0t4U0pGVW5iYUhvSHdWU1FRbS03WUVxU0R5aFhDdnFzczVNblBrZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17374 (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/30.json (key "17374", 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