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Letter portraitLegal landscapeQuarterYTD

Midwest Bankcentre

Saint Louis, MO · Cert 1058 · Stupp Bros Inc.

State charter, Fed member · FED · 18 branches

Q2 2026

$3.1BAssets
$2.4BLoans
$2.5BDeposits
$380.0MEquity
Loan mix
76%RE $1.8B21%C&I $0.5B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $2.4B4%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.31%Q2 ’245.32%Q2 ’255.53%Q2 ’26+6%+14%

Non-interest income vs. expense

2.42%Q2 ’242.09%Q2 ’252.25%Q2 ’26-16%+9%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 1.8% share · #13 of 111 inst. · $2.5B of $141.7B

3.7% St. Louis
10.1% Jefferson
0.4% St. Louis (City)
1.1% St. Charles

Executive Summary

  • Earnings: ROA of 1.36%, up 23 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.07% of loans (+45 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 12.15%, up 94 bps from a year ago.
  • Funding: loans stand at 96.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.36%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+44 bps YoY

Efficiency Ratio (quarter, annualized)

52.98%-214 bps YoY

Tier 1 Leverage Ratio

12.15%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.24%0.88%1.32%1.36%+23 bps
Return on Equity9.95%10.83%7.34%10.72%10.97%+101 bps
Net Interest Margin3.29%3.48%3.52%3.57%3.74%+44 bps
Efficiency Ratio55.12%55.86%59.01%50.81%52.98%-214 bps
Non-Interest Burden1.57%1.69%1.88%1.51%1.72%+15 bps
Growth
Asset Growth (YoY)6.69%8.29%5.87%5.78%3.20%-349 bps
Loan Growth (YoY)11.00%11.96%6.42%4.48%1.66%-933 bps
Deposit Growth (YoY)7.21%8.79%4.87%5.31%1.47%-574 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.63%1.22%1.24%1.07%+45 bps
Net Charge-Offs / Loans0.03%0.02%1.06%0.03%0.44%+40 bps
Allowance / Loans1.39%1.45%1.29%1.40%1.35%-4 bps
Allowance Coverage of NPLs2.2x2.3x1.1x1.1x1.3x-1.0x
Capital
Tier 1 Leverage Ratio11.21%11.13%11.74%11.91%12.15%+94 bps
Total Risk-Based Capital13.64%13.97%14.52%14.90%14.79%+115 bps
Equity / Assets11.34%11.62%12.38%12.33%12.38%+104 bps
Liquidity & Funding
Loans / Deposits96.71%97.46%98.13%95.44%96.89%+18 bps
Liquid Assets / Assets2.83%1.94%1.95%3.39%3.07%+24 bps
CRE / Total Capitaln/a431%419%406%n/an/a