MidAmerica National Bank
Canton, Illinois, Fulton County
$685M in total assets, the 1,423rd largest of 4,309 US banks and 79th of 328 headquartered in Illinois.
- FDIC certificate
- 3612
- Established
- 1933
- Owned by
- Midamerica Natl Bancshares Inc
- Primary regulator
- OCC
- Website
- www.midnatbank.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $685M | 89% | $286M | |
| Loans | $447M | 90% | $174M | |
| Deposits | $613M | 92% | $237M | |
| Return on assets | 0.35% | 11% | 1.13% | |
| Net interest margin | 3.98% | 68% | 3.70% | |
| Efficiency ratio | 69.5% | 71% | 64.1% | |
| Equity to assets | 9.72% | 37% | 10.44% | |
| Loans to deposits | 73% | 42% | 76% |
Growth
Total assets grew 5.3% a year over the last 5 years and 7.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2017 | Henry State Bank Henry, IL | $96M |
| Jun 1997 | The Union National Bank of Macomb Macomb, IL | $103M |
| Feb 1987 | The Lewistown Bank Lewistown, IL | $15M |
| Jan 1987 | State Bank of Cuba Cuba, IL | $18M |
Where they operate
6 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fulton County, IL | $353M | 34.7% | 1 of 14 |
| Mcdonough County, IL | $180M | 20.1% | 2 of 9 |
| Marshall County, IL | $80M | 21.7% | 2 of 7 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (5 to 6, +20.0%). 0 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2017 | Acquired Henry State Bank | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 23% | |
| 1-4 family residential | 16% | 30% | |
| Farmland | 14% | 13% | |
| Construction and land | 10% | 4% | |
| Business (C&I) | 10% | 12% | |
| Consumer | 9% | 4% | |
| Agricultural | 8% | 7% | |
| Multifamily | 4% | 6% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 47% | |
| Time deposits | 23% | 35% | |
| Noninterest-bearing | 22% | 19% |
Brokered deposits are 2.1% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 4.37% | 0.50% |
| Net charge-offs, annualized | 0.36% | 0.01% |
| Reserves to loans | 1.59% | 1.14% |
| Leverage ratio | 9.86% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Fulton County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/midamerica