Midwest Bankcentre
Saint Louis, MO · Cert 1058 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Stupp Bros Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
$3.1BAssets
$2.4BLoans
$2.5BDeposits
$380.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 81% of banks $1B-$10B in assets operating in a single state (rank 48 of 258).
- Widest gap: net charge-offs / loans trails 83% of banks $1B-$10B in assets operating in a single state (rank 214 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.32%
Rank 106 of 258
Net Interest Margin
3.65%
Rank 95 of 258
Efficiency Ratio
51.91%
Rank 66 of 257
Equity / Assets
12.38%
Rank 48 of 258
Non-interest income vs. expense
Unfavorable gap of $48.7M · efficiency ratio beats 75% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.93% | 1.23% | 1.54% | Beats 59% | 106 / 258 | |
| Return on Equity | 10.68% | 9.26% | 11.84% | 14.74% | Beats 40% | 155 / 258 | |
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 63% | 95 / 258 | |
| Efficiency Ratio | 51.91% | 51.71% | 60.30% | 69.65% | Beats 75% | 66 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.19% | 0.46% | 0.90% | Beats 21% | 206 / 258 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.02% | 0.07% | Beats 17% | 214 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 11.41% | 12.98% | 15.12% | Beats 59% | 107 / 258 | |
| Total Risk-Based Capital Ratio | 14.79% | 12.10% | 13.91% | 16.08% | Beats 62% | 99 / 258 | |
| Equity / Assets | 12.38% | 9.09% | 10.24% | 11.72% | Beats 81% | 48 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 96.89% | 73.24% | 86.34% | 95.95% | 79th pctl | 55 / 258 | |
| Loans / Assets | 79.65% | 63.01% | 72.27% | 78.40% | 79th pctl | 54 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |