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Mid-Central National Bank
Wadena, MN · FDIC Certificate #30943 · Chartered 03/1
Total assets
$117.15M
Total deposits
$94.86M
Total equity
$21.29M
Net loans
$88.39M
Branches (offices)
3
Net income (YTD)
$349.00K
Rank: #3,552 of 4,213 U.S. banks by assets · #156 of 221 in Minnesota. Assets changed -1.3% and deposits -2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.60% |
| Return on equity | 3.31% |
| Net interest margin (YTD) | 5.24% |
| Equity to assets | 18.18% |
| Tier 1 leverage ratio | 14.91% |
| Uninsured deposits (share of deposits) | 3.9% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 75.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.44M | 75.2% | |
| Commercial & industrial | $5.13M | 5.8% | |
| Consumer / individual | $14.40M | 16.3% | |
| Construction & development | $4.23M | 4.8% | |
| Agricultural | $3.15M | 3.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.15M | $115.26M | $119.00K | $21.19M |
| Jun 2023 | $124.12M | $102.01M | $343.00K | $21.58M |
| Jun 2024 | $120.04M | $96.57M | $328.00K | $22.85M |
| Jun 2025 | $118.69M | $97.24M | $387.00K | $20.37M |
| Jun 2026 | $117.15M | $94.86M | $349.00K | $21.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $94.86M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $94.86M.
Similar-sized banks
State Bank Of Bottineau ($117.22M) · Bank Of Brookfield - Purdin, National Association ($116.75M)
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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