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Mid Central National Bank

IDRSSD: 773171
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 773171 held $116.9M in total assets as of 2026-03-31 (+0.8% quarter-over-quarter). Total loans stood at $90.2M (+1.3% QoQ) and total deposits at $94.9M (+1.0% QoQ).

Overall position is adequate — the composite Health Score is 48/100 (Adequate). Tier 1 / RWA stands at 23.95%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
48/100
Adequate
Active Alerts
2
0 critical, 2 warning
Total Assets
$116.9M
+0.8% QoQ
Total Loans
$90.2M
+1.3% QoQ
Total Deposits
$94.9M
+1.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
23.95%
76th pctile · n=212↑ better
+35 bp QoQ
CET1 / RWA
23.95%
90th pctile · n=500↑ better
+35 bp QoQ
Total RBC / RWA
24.98%
75th pctile · n=212↑ better
+39 bp QoQ
Tier 1 Leverage Ratio
23.95%
90th pctile · n=500↑ better
+35 bp QoQ

Liquidity

Cash / Assets
5.38%
43th pctile · n=500↑ better
+76 bp QoQ
Loans / Deposits
95.00%
87th pctile · n=493↓ better
+26 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.16%
74th pctile · n=500↓ better
-4 bp QoQ
NPA / Assets
0.90%
76th pctile · n=500↓ better
-3 bp QoQ
Texas Ratio (regulatory)
6.08%
72th pctile · n=500↓ better
-30 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
45th pctile · n=500↓ better
-6 bp QoQ
ALLL Coverage of NPL
67.71%
41th pctile · n=500↑ better
+499 bp QoQ

Earnings

Net Interest Margin
5.22%
93th pctile · n=500↑ better
-2 bp QoQ
Return on Assets
0.63%
24th pctile · n=500↑ better
-33 bp QoQ
Return on Equity
3.46%
15th pctile · n=500↑ better
-193 bp QoQ
Efficiency Ratio
81.21%
79th pctile · n=500↓ better
+681 bp QoQ
Pre-tax NOI / Avg Assets
0.88%
29th pctile · n=500↑ better
-39 bp QoQ

Funding

Brokered / Deposits
0.00%
35th pctile · n=493↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
31th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
10.95%
26th pctile · n=500↑ better
-106 bp QoQ
AFS Securities / Assets
8.45%
29th pctile · n=500↑ better
-87 bp QoQ
HTM Securities / Assets
2.50%
84th pctile · n=500↑ better
-19 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 09:41:03 UTC