TellerScore

Headquartered in Minneapolis, Minnesota, MidCountry Bank is a savings bank with $1.1B in total assets and $835.8M in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1933.

MidCountry Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 83rd. Problem-loan coverage contributes the most (89/100, 5.4%); funding & liquidity contributes the least (61/100, 87% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 13.00%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 86.6% · 26.4% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.41%

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 15 points (57 → 72), mostly because the loan quality component improved by 42 points.

TellerScore
365472Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202436
Q4 202437
Q1 202554
Q2 202557
Q3 202560
Q4 202563
Q1 202669
Q2 202672
Tier 1 leverage ratio
5.00%9.12%13.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.98%
Q3 202410.66%
Q4 202411.19%
Q1 202511.66%
Q2 202512.32%
Q3 202512.81%
Q4 202512.77%
Q1 202613.25%
Q2 202613.00%
Noncurrent loans
0.90%1.83%2.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.16%
Q3 20242.64%
Q4 20242.76%
Q1 20252.27%
Q2 20252.15%
Q3 20251.98%
Q4 20251.77%
Q1 20261.55%
Q2 20260.90%
Return on assets
-0.88%0.17%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 2024-0.88%
Q4 2024-0.52%
Q1 20250.76%
Q2 20250.82%
Q3 20250.80%
Q4 20250.86%
Q1 20261.22%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$1.1B13.00%0.90%1.03%86.6%
Q1 202669$1.0B13.25%1.55%1.22%81.7%
Q4 202563$1.0B12.77%1.77%0.86%83.4%
Q3 202560$1.0B12.81%1.98%0.80%83.5%
Q2 202557$1.1B12.32%2.15%0.82%83.7%
Q1 202554$1.1B11.66%2.27%0.76%83.3%
Q4 202437$1.1B11.19%2.76%-0.52%85.4%
Q3 202436$1.1B10.66%2.64%-0.88%89.1%
Q2 202455$1.2B10.98%1.16%0.15%90.5%

897 peers · $1 billion – $10 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 ratio13.00%
85th
Total risk-based capital17.23%
84th
Problem loans0.90%
30th
Net charge-offs0.03%
52nd
Return on assets1.03%
32nd
Net interest margin3.97%
67th
Efficiency ratio61.7%
41st
Loans to deposits86.6%
51st
Uninsured deposits26.4%
66th
Loan-loss reserves1.79%
93rd
Texas ratio5.4%
35th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of BemidjiBank Bemidji, MN62 out of 100, Moderate$1.1B11.1%1.99%vs
First Resource BankBank Lino Lakes, MN66 out of 100, Moderate$1.1B8.3%0.09%vs
United Bankers' BankBank Richfield, MN74 out of 100, Strong$1.1B14.5%0.76%vs
Premier BankBank Maplewood, MN76 out of 100, Strong$1.2B10.2%0.00%vs
Security Bank & Trust CompanyBank Glencoe, MN74 out of 100, Strong$1.3B9.4%0.34%vs
Citizens Alliance BankBank Clara City, MN47 out of 100, Below average$1.4B9.8%1.48%vs

Deposit insurance

Is my money safe at MidCountry Bank?

Yes. MidCountry Bank is an FDIC-insured institution (FDIC certificate #28865). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($220.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.23% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

MidCountry Bank lists 16 offices in 16 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
MidCountry Bank
Former names
First Federal FSB; First State Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
28865
RSSD ID
3971
Primary regulator
OCC
Holding company
Midcountry Acquisition Corp
Established
January 1, 1933
Headquarters
7825 Washington Ave S, Minneapolis, MN 55439
Employees
124

Quick answers

MidCountry Bank: common questions

Is MidCountry Bank FDIC insured?

Yes. MidCountry Bank is an FDIC-insured institution (FDIC certificate #28865). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is MidCountry Bank's TellerScore?

72 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 MidCountry Bank ever failed?

There is no failure record for FDIC certificate #28865 in the FDIC failed bank list.

How many branches does MidCountry Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Minneapolis

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs