What is Mid-America Bank's financial health grade?

Mid-America Bank has a TFS Financial Health Grade of C (score: 74.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Mid-America Bank have?

Mid-America Bank has 7 branch locations across the United States.

Is Mid-America Bank FDIC insured?

Yes, Mid-America Bank is FDIC insured (Certificate #17374).

What are the total assets of Mid-America Bank?

Mid-America Bank has total assets of $548.8M as reported in its most recent FDIC filing.

Mid-America Bank

BankBaldwin City, Kansas

http://www.mid-americabank.com

Total Assets

$548.8M

Total Deposits

$408.9M

Branches

Established

1900

TFS Health Grade

74.2 / 100

Average financial health

How we grade

Mid-America Bank is a bank headquartered in Baldwin City, Kansas, established in 1900. With $548.8M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (74.2/100).

Capital & Safety

Tier 1 Capital Ratio

10.08%(8%)

Total Capital Ratio

13.36%(10%)

Non-Performing Loan Ratio

0.20%

Profitability

Return on Assets (ROA)

1.57%(1%)

Return on Equity (ROE)

15.65%(10%)

Net Interest Margin

3.85%

Efficiency Ratio

51.88%(60%)

Lending & Liquidity

Total Loans

$431.6M

Loan-to-Deposit Ratio

104.49%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+17.54%

Deposit Growth (YoY)

+18.05%

Net Income

$8.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Mid-America BankHQ	802 Ames St	Baldwin City	KS	11
Mid-America Bank	1435 Church St	Eudora	KS	11
Mid-America Bank	18365 S Gardner Rd	Gardner	KS	11
Mid-America Bank	4114 W 6th St	Lawrence	KS	11
Mid-America Bank	501 Home Ave	Norton	KS	11
Mid-America Bank	402 Main St	Palco	KS	11
Mid-America Bank	1008 Poplar St	Wellsville	KS	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.