Mid-Central National Bank
Wadena, MN
IDRSSD: 773171
Total Assets
$115.89M
Latest filing
Total Deposits
$93.97M
Latest filing
Net Interest Margin
5.24%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Mid-Central National Bank
520 Jefferson St S
Wadena, MN 56482
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/11/1957FDIC Certificate 43777
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Mid-Central National Bank (Main) | 520 Jefferson St S | Wadena, MN |
| LONG PRAIRIE BRANCH | 610 Lake St S | Long Prairie, MN |
| STAPLES BRANCH | 128 2nd Ave Nw | Staples, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/11/1957 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56482 |
| State and County Number | 27159 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.midcentralbank.com |
| Data Updated | 01/30/2026 |
| CERT | 30943 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $115.89M |
| Total Deposits | $93.97M |
| Total Liabilities | $95.16M |
| Total Equity Capital | $20.74M |
| Net Income | $279.00k |
| Net Loans and Leases | $89.03M |
| Assets Per Employee ($Millions) | $3.31M |
| Bank Premises and Fixed Assets | $1.42M |
| Cash and Balances due from Depository Institutions | $5.35M |
| Deposits Held in Domestic Offices | $93.97M |
Key Performance Ratios
| Return on Assets (ROA) | 0.96% |
| Return on Equity (ROE) | 5.39% |
| Net Interest Margin | 5.24% |
| Efficiency Ratio | 74.4% |
| Tier 1 Risk-Based Capital Ratio | 23.602% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.893% |
| Earning Assets to total Assets | 92.57% |
Income and Expense
| Total Interest Income | $1.65M |
| Total Noninterest Income | $173.00k |
| Total Interest Expense | $233.00k |
| Total Noninterest Expense | $1.18M |
| Net Interest Income | $1.41M |
| Pre-tax Net Operating Income | $370.00k |
| Provision for Credit Losses | $36.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.19M |
| Total Liabilities and Capital | $115.89M |
Securities
| Securities | $13.92M |
| Available-for-sale debt securities | $10.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.12M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Mid-Central National Bank?
$115.89M as of the latest filing.
How much are Mid-Central National Bank's total deposits?
$93.97M in total deposits.
Where is Mid-Central National Bank located?
Wadena, MN.
What is the Net Interest Margin?
5.24%.
How many domestic offices does it operate?
3.
When was it established?
03/11/1957.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$89.03M (latest filing).
What is the total interest income (latest filing)?
$1.65M.