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Mid-America Bank
Baldwin City, KS · FDIC Certificate #17374 · Chartered 12/1
Total assets
$573.25M
Total deposits
$456.42M
Total equity
$58.02M
Net loans
$453.55M
Branches (offices)
7
Net income (YTD)
$4.83M
Rank: #1,612 of 4,213 U.S. banks by assets · #34 of 183 in Kansas. Assets changed 11.2% and deposits 16.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.72% |
| Return on equity | 17.30% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 10.12% |
| Tier 1 leverage ratio | 10.18% |
| Uninsured deposits (share of deposits) | 13.6% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 99.4% |
| Real estate loans (share of loans) | 96.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $438.31M | 96.6% | |
| Commercial & industrial | $8.78M | 1.9% | |
| Consumer / individual | $5.20M | 1.1% | |
| Construction & development | $81.76M | 18.0% | |
| Agricultural | $703.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $324.22M | $254.96M | $3.55M | $35.15M |
| Jun 2023 | $412.21M | $275.86M | $2.68M | $39.10M |
| Jun 2024 | $428.16M | $286.40M | $3.42M | $44.76M |
| Jun 2025 | $515.66M | $390.66M | $3.97M | $51.23M |
| Jun 2026 | $573.25M | $456.42M | $4.83M | $58.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $456.42M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $456.42M.
Similar-sized banks
First Federal Savings And Loan Association Of Lorain ($573.81M) · Intracoastal Bank ($573.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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