Bank · FDIC insured
Mid-America Bank
Top CarrotA $573.3M bank headquartered in Baldwin City, KS, with 7 branches in Kansas. Best rates: CDs 4.55% and savings 2.27% APY.
Mid-America Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 17 in Lawrence, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Mid-America Bank
Mid-America Bank trace its roots to 1997 when a group of Kansans purchased Esbon State Bank and changed its name to Mid America Bank.
Headquartered in Baldwin City, Kansas since 2001, the bank operates branches in Wellsville, Lawrence, Gardner, Palco, and Eudora.
The bank focuses on local real estate lending, offering local underwriting and local loan servicing.
- Headquarters
- 802 Ames St, Baldwin City, KS 66006
- FDIC certificate
- 17374 ↗
Branches
7 branches in Kansas
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Kansas
7 branches
Lawrence area · 3
- Mid-America BankMain office802 Ames St, Baldwin City, KS 66006Directions
- Eudora Branch1435 Church St, Eudora, KS 66025Directions
- Lawrence Branch4114 W 6th St, Lawrence, KS 66049Directions
Kansas City area · 1
- Gardner Branch18365 S Gardner Rd, Gardner, KS 66030Directions
Norton area · 1
- Norton Branch501 Home Ave, Norton, KS 67654Directions
Palco area · 1
- Palco Branch402 Main St, Palco, KS 67657Directions
Ottawa area · 1
- Wellsville Branch1008 Poplar St, Wellsville, KS 66092Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.18% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.13% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.72% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $100 | $81 | — |
- CapitalLeverage ratio10.18%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.13%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.72%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$100Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Mid-America Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.