Casper, WY · Cert 19184 · Midland Financial Corp.
National charter · OCC · 7 branches
Q2 2026
Market Position · Casper, WY · 2026 SOD (annual) · 35.4% share · #1 of 9 inst. · $0.9B of $2.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.17% | 1.16% | 1.28% | 1.35% | 1.35% | 1.32% | 1.39% | +11 bps | |
| Return on Equity | 14.04% | 15.06% | 14.91% | 16.30% | 16.78% | 16.68% | 15.71% | 16.43% | +12 bps | |
| Net Interest Margin | 2.86% | 2.92% | 3.01% | 3.09% | 3.13% | 3.14% | 3.26% | 3.37% | +28 bps | |
| Efficiency Ratio | 60.41% | 59.96% | 61.96% | 59.07% | 58.13% | 59.03% | 61.52% | 59.34% | +27 bps | |
| Non-Interest Burden | 1.30% | 1.29% | 1.47% | 1.38% | 1.35% | 1.39% | 1.54% | 1.53% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 0.21% | 11.08% | 3.39% | 0.76% | 21.89% | 6.48% | 13.04% | +965 bps | |
| Loan Growth (YoY) | 4.87% | 8.55% | 15.04% | 19.12% | 21.03% | 16.59% | 16.22% | 14.20% | -492 bps | |
| Deposit Growth (YoY) | 1.27% | -1.65% | 10.84% | 2.83% | 0.88% | 20.82% | 4.69% | 7.59% | +476 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.66% | 0.21% | 0.27% | 0.28% | +28 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.14% | +13 bps | |
| Allowance / Loans | 1.14% | 1.20% | 1.21% | 1.26% | 1.26% | 1.26% | 1.24% | 1.19% | -6 bps | |
| Allowance Coverage of NPLs | 118.1x | 135.5x | 3305.0x | n/a | 1.9x | 6.1x | 4.6x | 4.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.20% | 13.67% | 11.98% | 12.13% | 12.30% | 12.30% | 12.06% | 11.95% | -19 bps | |
| Total Risk-Based Capital | 13.20% | 13.67% | 11.98% | 12.13% | 12.30% | 12.30% | 12.06% | 11.95% | -19 bps | |
| Equity / Assets | 8.51% | 8.61% | 7.05% | 8.02% | 8.62% | 8.31% | 8.52% | 8.60% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.06% | 59.64% | 54.92% | 62.99% | 61.26% | 57.56% | 60.97% | 66.85% | +387 bps | |
| Liquid Assets / Assets | 5.99% | 1.99% | 10.05% | 0.97% | 3.71% | 10.65% | 4.54% | 1.17% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 225% | 225% | 233% | n/a | n/a | |