Midamerica National Bank (FDIC #3612): Bank Stress & Real-Estate Credit Exposure

Midamerica National Bank (FDIC Cert #3612): bank stress 75/100, severe, STABLE over 7 days; parent MIDAMERICA NATL BANCSHARES INC.

Midamerica National Bank (#3612) lends in 3 counties across 1 state; Midamerica National Bank (#3612) reaches 57 ZIP codes: Illinois 3 counties, 57 ZIPs.

Midamerica National Bank (#3612) largest markets: Fulton County, IL (72 branches, 24 ZIPs) (#3612), Marshall County, IL (19 branches, 19 ZIPs) (#3612), Mcdonough County, IL (34 branches, 17 ZIPs) (#3612).

Midamerica National Bank (#3612) reports $685.0 million in total assets; Midamerica National Bank (#3612) equity $66.6 million (9.7% of Midamerica National Bank (#3612) assets); Midamerica National Bank (#3612) domestic deposits $613.0 million; Midamerica National Bank (#3612) net income $2.8 million; Midamerica National Bank (#3612) return on assets 0.85%; Midamerica National Bank (#3612) return on equity 8.43%; Midamerica National Bank (#3612) net interest income $12.4 million; Midamerica National Bank (#3612) call report June 30, 2026.

Midamerica National Bank (#3612) noncurrent real-estate loans 0.43% of its book; Midamerica National Bank (#3612) residential 0.47%; Midamerica National Bank (#3612) net charge-offs on real estate 5.59%; Midamerica National Bank (#3612) multifamily charge-offs 3.28%; Midamerica National Bank (#3612) residential charge-offs 8.35%.

Midamerica National Bank (#3612) net interest margin 3.98% against an eight-quarter Midamerica National Bank (#3612) average of 3.94% (Midamerica National Bank (#3612) compression -0.03 points); Midamerica National Bank (#3612) real-estate loans 43.2% of equity; Midamerica National Bank (#3612) non-residential real estate 835.4% of equity; Midamerica National Bank (#3612) rate-exposure score 40/100, Midamerica National Bank (#3612) fixed-rate trap 40/100; Midamerica National Bank (#3612) risk type credit driven; Midamerica National Bank (#3612) rate regime rates elevated, Midamerica National Bank (#3612) snapshot October 19, 2026.

Midamerica National Bank (#3612) stress score moved from 71.3 on June 22, 2026 to 74.6 on October 19, 2026; Midamerica National Bank (#3612) ranged 71.3 to 74.6 over 116 snapshots.

Midamerica National Bank (#3612) alerts: 3 counties; top Midamerica National Bank (#3612) alert scores: Henry County, IL 47 (moderate); Lewistown County, IL 25 (low); Macomb County, IL 25 (low).