🏦Bank Scorer

MIDAMERICA NATIONAL BANK

CANTON, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1933FDIC #3,612
Satisfactory Same

Current rating · Exam: November 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.87%

Institution Profile

FDIC BankFind

Address

100 W Elm St, CANTON, IL

County

Fulton County

Established

November 22, 1933

Total Assets

$662M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 21, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$662M

Total Deposits

$591M

Net Loans

$437M

Net Income

$1M

ROA

0.87%

ROE

8.52%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.13%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$583M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202424659.35%8.13%
202328055.36%10.36%
202223163.64%10.82%
202145064.67%11.78%
202053666.6%11.94%
201943959.68%11.62%
201823274.57%15.95%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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