Mid-America Bank is a state-chartered bank headquartered in Baldwin City, Kansas, in business for about 126 years. At the end of Q2 2026 it reported $573.3M in total assets and $456.4M in deposits, with 7 offices.
Based on its Q2 2026 filing, Mid-America Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 86th. Its strongest component is problem-loan coverage (98/100; 0.9%), and its lowest is capital cushion (52/100; 10.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 73 |
| Q3 2025 | 71 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.48% |
| Q3 2024 | 10.48% |
| Q4 2024 | 10.01% |
| Q1 2025 | 10.38% |
| Q2 2025 | 10.34% |
| Q3 2025 | 9.77% |
| Q4 2025 | 10.08% |
| Q1 2026 | 9.68% |
| Q2 2026 | 10.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.63% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.60% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $573.3M | 10.18% | 0.13% | 1.72% | 99.4% |
| Q1 2026 | 74 | $566.8M | 9.68% | 0.13% | 1.61% | 100.7% |
| Q4 2025 | 73 | $548.8M | 10.08% | 0.20% | 1.57% | 104.5% |
| Q3 2025 | 71 | $525.6M | 9.77% | 0.40% | 1.60% | 100.1% |
| Q2 2025 | 73 | $515.7M | 10.34% | 0.37% | 1.63% | 100.0% |
| Q1 2025 | 76 | $480.3M | 10.38% | 0.08% | 1.62% | 101.3% |
| Q4 2024 | 75 | $466.9M | 10.01% | 0.04% | 1.56% | 103.0% |
| Q3 2024 | 75 | $446.5M | 10.48% | 0.00% | 1.50% | 112.0% |
| Q2 2024 | 76 | $428.2M | 10.48% | 0.00% | 1.63% | 118.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank of KansasBank Kingman, KS | 72 out of 100, Strong | $548.4M | 8.5% | 0.02% | vs |
| Silver Lake BankBank Topeka, KS | 77 out of 100, Strong | $548.2M | 10.9% | 0.00% | vs |
| Bank of the Flint HillsBank Wamego, KS | 71 out of 100, Strong | $544.5M | 8.6% | 0.03% | vs |
| Labette BankBank Altamont, KS | 68 out of 100, Moderate | $544.4M | 13.1% | 1.73% | vs |
| The Peoples BankBank Pratt, KS | 75 out of 100, Strong | $531.1M | 9.3% | 0.37% | vs |
| The BankBank Oberlin, KS | 59 out of 100, Moderate | $617.3M | 11.5% | 3.45% | vs |
Deposit insurance
Is my money safe at Mid-America Bank?
Yes. Mid-America Bank is an FDIC-insured institution (FDIC certificate #17374). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.6% of deposits ($62.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).
7 locations
Branches
Mid-America Bank lists 7 offices in 7 cities. Most locations:
- Baldwin City, KS (1)
- Eudora, KS (1)
- Gardner, KS (1)
- Lawrence, KS (1)
- Norton, KS (1)
- Palco, KS (1)
- Wellsville, KS (1)
Identity & history
Profile
- Legal name
- Mid-America Bank
- Former names
- State Bank of Esbon
- Type
- State-chartered bank
- FDIC certificate #
- 17374
- RSSD ID
- 919456
- Primary regulator
- FDIC
- Holding company
- Mid-America Bankshares Inc
- Established
- December 11, 1900
- Headquarters
- 802 Ames St, Baldwin City, KS 66006
- Website
- www.mid-americabank.com
- Employees
- 64
Quick answers
Mid-America Bank: common questions
Is Mid-America Bank FDIC insured?
Yes. Mid-America Bank is an FDIC-insured institution (FDIC certificate #17374). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mid-America Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Mid-America Bank ever failed?
There is no failure record for FDIC certificate #17374 in the FDIC failed bank list.
How many branches does Mid-America Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baldwin City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| Security Bank of Kansas CityBank Kansas City, KS | 85 out of 100, Very strong | $3.9B | 12.8% | 0.03% | vs |
| The Kansas State Bank Overbrook KansasBank Overbrook, KS | 82 out of 100, Strong | $101.2M | 13.2% | 0.70% | vs |
| Mutual Savings AssociationBank Leavenworth, KS | 80 out of 100, Strong | $398.6M | 23.8% | 1.11% | vs |
| Great American BankBank Lawrence, KS | 80 out of 100, Strong | $513.2M | 11.0% | 0.00% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |