# MIDAMERICA NATIONAL BANK
CANTON, IL · FDIC certificate 3612 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $685.0M | |
| Deposits | $613.0M | |
| Loans and leases | $447.2M | |
| Total equity | $66.6M | |
| Loans / deposits | 71.79% (p28 of band) | 82.04% |
| Liquid assets / assets | 30.41% (p65 of band) | |
| Uninsured deposits / deposits | 17.68% (p21 of band) | 25.97% |
| Brokered deposits | 1.89% | |
| Wholesale funding | 1.98% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.86% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -11.16% (p40 of band) | -8.10% |
| AOCI / equity | -1.20% (p18 of band) | |
| ROA (annualized) | 0.85% (p24 of band) | 1.28% |
| Net interest margin | 3.98% (p54 of band) | 3.91% |
| Efficiency ratio | 69.55% (p72 of band) | |
| Noncurrent loans | 4.37% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.24% (p93 of band) | |
| Reserve coverage of noncurrent | 36.42% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 64.55% (p67 of band) | |
| Auto loans | $24.4M (5.45% of loans; DQ 1.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 126 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | charge-offs p90 |
| 2025-12 | 4 | capital falling, charge-offs p90 |  |
| 2026-03 | 2 |  | capital falling, charge-offs p90 |
| 2026-06 | 3 | charge-offs p90 |  |

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

- 2026-07-20 [MidAmerica National Bank is coming to Eldridge - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxPejZNWjZJcUVYM3VaOFNsU204VjU0d1VGdmdVVVI1WVZxelFKMDhCbUJrRmNLWXJDUzhDRFdxcFFFbU0yQ1RJMThvOWoyU21BaHJEUkthY2VFeWVvWF9mUVdOVVpjMUNfOXdZRFVwTm5pNGlJMVoxaXpDLW5EQUNMTkFjVmY?oc=5) · Quad Cities Business Journal
- 2026-07-16 [MidAmerica National Bank expanding to Eldridge - The Quad-City Times](https://news.google.com/rss/articles/CBMikwFBVV95cUxOMEQyUTdkbURKM3Rndk05elpEOUtneDV6QldHelNHVjdpTU5ZUFNEX3VzQ1BSUzhSSHg4emVoU1ZiaE9ad0hfLXY2WHF3bHFTdEc3ZVJQOERld190bGJJTmRPbGRZM2NXczBaR21lTGYyak11MndGcTU1UlA0QTl4VjVoTFZHdnlQNTY2bHRaeTJiLVU?oc=5) · The Quad-City Times
- 2013-01-18 [Shelby appointed to board of MidAmerica National Bank - Canton Daily Ledger](https://news.google.com/rss/articles/CBMivgFBVV95cUxQd3FDeHRYV2N3VllWaU5NZ095ZVdIZkdGdDRkd0VRMEQwWXotckNzSHJyMFdWRVU5enpvMV9GdG1YUjJSczkwRHpUSWU0RVR3cnlXZ09GNmlYd0VDdnd5RVRndkVqS0JiS25TRmJYWUVRVGVTVGlmTElYZWRFRmhjeHJUMjRHX3JoVy1KNk5JMXd5ZS1tSXRNMUs2R3hsV19LU1RScFY4cHdSb3FucDJBM1BLaW9qTTllNWJjTlNn?oc=5) · Canton Daily Ledger
- 2023-09-25 [2015 Town and Gown Award - Western Illinois University](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5hcE0tUVhkYkRzaFNCcHNNNzc5OWpGX1J6d1NIcU1jUDdOWjNILVBIY0NZWjJxS1dQTlI1UGM2dkVPVnlpZ3ptSi1wNW1wSVdORzZKd2F5R1oxYWhxeXR6SDExMXl4Rm8?oc=5) · Western Illinois University
- 2015-03-27 [MidAmerica National Bank announces new employees - Canton Daily Ledger](https://news.google.com/rss/articles/CBMiswFBVV95cUxOd2lNVEV5Q21xdzNUWmVQOXM2SlFQN1FZWFpCT2RWeV9GZk91MFRLZzg0RHVGUjJVOXpSUmVGZGdqZHFvNkZUcDI2T3ZBSnBBdEc3RjJHR09LRURMMmI5QU1zVGpobmhKNWF5Zkx1MDVOamRveDRoTlgtaDl3NkhuOWR3LXlZVEhPdWRYcEtoTjFVQnk2LWM4SGxRWWR5eUJNbW5FOGxMVGdoSTR4NV9ScXRiUQ?oc=5) · Canton Daily Ledger
- 2025-06-08 [Obituary information for Connie Leigh Seghi - Oaks-Hines Funeral Home](https://news.google.com/rss/articles/CBMihwFBVV95cUxON2d0STNaS00yOTlYQ2VMZDNiSEhyLUE2c1hCb0N3cnYxU3dDZWFnVkRrSFc2cmJjOWw4WHFFX2FfQTA1SzZKVXFtSmx4enNHYWQ4T3loN2xDaTdfQ2xlNHRlUm1WaXpkWHE4cU9IaVhLb0tJWVljTEd1SEFQNDJqdEFLWXJ3Ujg?oc=5) · Oaks-Hines Funeral Home
- 2021-04-26 [Ham named Senior of the Month - McDonough County Voice](https://news.google.com/rss/articles/CBMimAFBVV95cUxNQmoxLVd5dHQwRU5NMjZXQnNXSzdOUmlRSjQyQXpoQWd5VHNmWDZhMmRhajBkbUF4OV9VUXFaNzFFdnROUVhvb3hZdkZGdXZFWkpUbWx4RnNPWk1wMzVsYkxydXc5WG4yaF9sRkxtUmhOSXNxblczcVl4WF8tOTBtYzJEV1RSVEJmWjFZWGM2WnByV0xyczN6Zw?oc=5) · McDonough County Voice
- 2021-10-09 [Steven Gresham Obituary - Pekin, IL - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNc3ZwS2ozZzhZZjgyU01tYlRia1R3RFZjV2czT05BMTZxckMyYkE0TDdNVWhGWTlfV2pUYzBmdmltcTdjTEJtQ0ZUbV9oN1VwWnJOTUlNUDJ5N2NKWVVtWmNkc2QzaU5menA1TUNkdElMZkljTVlFRzdVTGx2WVlVTg?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3612 (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/28.json (key "3612", 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