TellerScore

MidAmerica National Bank (FDIC certificate #3612) is based in Canton, Illinois. Its Q2 2026 call report shows $685.0M in total assets and $613.0M in deposits and 6 offices.

Based on its Q2 2026 filing, MidAmerica National Bank scores 42/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 309th. Its strongest component is funding & liquidity (85/100; 72% loans-to-deposits, 18% uninsured), and its lowest is loan quality (0/100; 4.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.86%
Loan quality0/100
Noncurrent loans ÷ total loans: 4.37%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 71.8% · 17.7% uninsured
Problem-loan coverage39/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 30.54%

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 fell 2 points (44 → 42), mostly because the earnings component weakened by 8 points.

TellerScore
395367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202451
Q4 202444
Q1 202544
Q2 202544
Q3 202543
Q4 202539
Q1 202643
Q2 202642
Tier 1 leverage ratio
5.00%7.67%10.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.58%
Q3 20249.68%
Q4 20249.87%
Q1 202510.22%
Q2 202510.34%
Q3 202510.09%
Q4 20259.80%
Q1 20269.90%
Q2 20269.86%
Noncurrent loans
0.69%2.91%5.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.69%
Q3 20242.24%
Q4 20243.07%
Q1 20255.13%
Q2 20255.01%
Q3 20254.69%
Q4 20254.04%
Q1 20264.63%
Q2 20264.37%
Return on assets
0.44%0.75%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.85%
Q4 20240.93%
Q1 20251.07%
Q2 20251.04%
Q3 20250.84%
Q4 20250.44%
Q1 20260.87%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$685.0M9.86%4.37%0.85%71.8%
Q1 202643$662.2M9.90%4.63%0.87%74.0%
Q4 202539$640.2M9.80%4.04%0.44%78.3%
Q3 202543$660.6M10.09%4.69%0.84%77.3%
Q2 202544$654.4M10.34%5.01%1.04%75.9%
Q1 202544$630.2M10.22%5.13%1.07%78.7%
Q4 202444$629.7M9.87%3.07%0.93%78.9%
Q3 202451$637.5M9.68%2.24%0.85%76.8%
Q2 202467$644.1M9.58%0.69%0.97%75.8%

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).

Capital ratio9.86%
28th
Total risk-based capital0.00%
24th
Problem loans4.37%
3rd
Net charge-offs0.36%
7th
Return on assets0.85%
26th
Net interest margin3.98%
52nd
Efficiency ratio69.5%
31st
Loans to deposits71.8%
67th
Uninsured deposits17.7%
73rd
Loan-loss reserves1.59%
83rd
Texas ratio30.5%
2nd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Constitution Bank, National AssociationBank Hillsboro, IL68 out of 100, Moderate$683.1M10.2%0.62%vs
BankOrionBank Orion, IL60 out of 100, Moderate$688.1M9.7%1.18%vs
Apple River State BankBank Apple River, IL74 out of 100, Strong$675.2M9.7%0.24%vs
Time BankBank Park Ridge, IL70 out of 100, Strong$712.8M11.9%1.75%vs
Peoples Bank & TrustBank Pana, IL64 out of 100, Moderate$656.6M10.7%1.58%vs
Prospect BankBank Paris, IL57 out of 100, Moderate$715.6M8.5%0.45%vs

Deposit insurance

Is my money safe at MidAmerica National Bank?

Yes. MidAmerica National Bank is an FDIC-insured institution (FDIC certificate #3612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.7% of deposits ($108.4M) 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 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

MidAmerica National Bank lists 5 offices in 5 cities. Most locations:

  • Canton, IL (1)
  • Cuba, IL (1)
  • Henry, IL (1)
  • Lewistown, IL (1)
  • Macomb, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, MidAmerica National Bank reported 196 home-loan applications under HMDA (LEI 549300Z4ZK628DTL4L52): 123 originated ($18,485,000 total), 39 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
MidAmerica National Bank
Former names
The National Bank of Canton
Type
National bank
FDIC certificate #
3612
RSSD ID
510938
Primary regulator
OCC
Holding company
Midamerica Natl Bancshares Inc
Established
November 22, 1933
Headquarters
100 W Elm St, Canton, IL 61520
Employees
126

Quick answers

MidAmerica National Bank: common questions

Is MidAmerica National Bank FDIC insured?

Yes. MidAmerica National Bank is an FDIC-insured institution (FDIC certificate #3612). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is MidAmerica National Bank's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has MidAmerica National Bank ever failed?

There is no failure record for FDIC certificate #3612 in the FDIC failed bank list.

How many branches does MidAmerica National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Canton

InstitutionScoreAssetsCapitalProblem loansCompare
Peoria Hiway Credit UnionCredit union Peoria, IL85 out of 100, Very strong$6.6M13.7%0.14%vs
Fairview State Banking CompanyBank Fairview, IL83 out of 100, Strong$40.9M14.3%0.61%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Petefish, Skiles & Co.Bank Virginia, IL75 out of 100, Strong$501.6M9.1%0.14%vs