Midcountry Bank (FDIC #28865): Bank Stress & Real-Estate Credit Exposure
Midcountry Bank (FDIC Cert #28865): bank stress 61/100, elevated, STABLE over 7 days; parent MIDCOUNTRY ACQUISITION CORP.
Midcountry Bank (#28865) lends in 11 counties across 1 state; Midcountry Bank (#28865) reaches 227 ZIP codes: Minnesota 11 counties, 227 ZIPs.
Midcountry Bank (#28865) largest markets: Hennepin County, MN (219 branches, 73 ZIPs) (#28865), Stearns County, MN (33 branches, 33 ZIPs) (#28865), Ramsey County, MN (27 branches, 27 ZIPs) (#28865), Redwood County, MN (22 branches, 22 ZIPs) (#28865), Dakota County, MN (66 branches, 22 ZIPs) (#28865), Wright County, MN (19 branches, 19 ZIPs) (#28865).
Midcountry Bank (#28865) reports $1.07 billion in total assets; Midcountry Bank (#28865) equity $133.4 million (12.5% of Midcountry Bank (#28865) assets); Midcountry Bank (#28865) domestic deposits $835.8 million; Midcountry Bank (#28865) net income $5.4 million; Midcountry Bank (#28865) return on assets 1.03%; Midcountry Bank (#28865) return on equity 8.08%; Midcountry Bank (#28865) net interest income $19.5 million; Midcountry Bank (#28865) call report June 30, 2026.
Midcountry Bank (#28865) noncurrent real-estate loans: none reported; Midcountry Bank (#28865) residential -0.24%; Midcountry Bank (#28865) net charge-offs on real estate 0.19%; Midcountry Bank (#28865) residential charge-offs 0.21%.
Midcountry Bank (#28865) net interest margin 3.97% against an eight-quarter Midcountry Bank (#28865) average of 3.67% (Midcountry Bank (#28865) compression -0.31 points); Midcountry Bank (#28865) non-residential real estate 21.4% of equity; Midcountry Bank (#28865) rate-exposure score 40/100, Midcountry Bank (#28865) fixed-rate trap 40/100; Midcountry Bank (#28865) risk type credit driven; Midcountry Bank (#28865) rate regime rates elevated, Midcountry Bank (#28865) snapshot October 19, 2026.
Midcountry Bank (#28865) stress score moved from 54.3 on June 22, 2026 to 61.3 on October 20, 2026; Midcountry Bank (#28865) ranged 54.3 to 61.3 over 117 snapshots.
Midcountry Bank (#28865) alerts: 10 counties; top Midcountry Bank (#28865) alert scores: Buffalo County, MN 22 (low); Hutchinson County, MN 22 (low); Litchfield County, MN 22 (low); Minnetonka County, MN 22 (low); Saint Cloud County, MN 22 (low).