Midwestone Bank
Iowa City, IA · Cert 14843 · Peer group: banks $1B-$10B in assets operating regionally (n=188)
FDIC · 59 branches
Q4 2025
$6.3BAssets
$4.5BLoans
$5.5BDeposits
$702.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 68% of banks $1B-$10B in assets operating regionally (rank 61 of 188).
- Widest gap: nonperforming loans / loans trails 61% of banks $1B-$10B in assets operating regionally (rank 115 of 188).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.11%
Rank 87 of 188
Net Interest Margin
3.33%
Rank 106 of 188
Efficiency Ratio
58.63%
Rank 82 of 188
Equity / Assets
11.24%
Rank 61 of 188
Non-interest income vs. expense
Unfavorable gap of $102.9M · efficiency ratio beats 57% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.81% | 1.07% | 1.39% | Beats 54% | 87 / 188 | | |
| Return on Equity | 9.91% | 8.05% | 10.66% | 13.11% | Beats 42% | 109 / 188 | | |
| Net Interest Margin | 3.33% | 2.96% | 3.38% | 3.73% | Beats 44% | 106 / 188 | | |
| Efficiency Ratio | 58.63% | 53.47% | 60.74% | 69.25% | Beats 57% | 82 / 188 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.27% | 0.57% | 1.04% | Beats 39% | 115 / 188 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.27% | 12.41% | 13.94% | Beats 58% | 79 / 188 | | |
| Total Risk-Based Capital Ratio | 14.02% | 12.24% | 13.41% | 15.02% | Beats 60% | 75 / 188 | | |
| Equity / Assets | 11.24% | 9.20% | 10.34% | 11.75% | Beats 68% | 61 / 188 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.84% | 81.05% | 88.67% | 96.26% | 30th pctl | 131 / 188 | | |
| Loans / Assets | 72.57% | 68.20% | 74.78% | 80.31% | 38th pctl | 116 / 188 | | |
| Brokered Deposits / Deposits | 3.65% | n/a | 2.16% | 7.71% | Beats 44% | 106 / 188 | n/a | |