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Midwest Independent Bankersbank

Jefferson City, MO · Cert 25849 · Midwest Ind Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

41

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midwest Independent Bankersbank

Jefferson City, MO · Cert 25849 · Midwest Ind Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$341.4MAssets
$243.6MLoans
$259.4MDeposits
$50.9MEquity
Loan mix
96%RE $115.2M4%C&I $4.5M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $146.8M43%Noninterest $112.6MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.30%Q2 ’255.43%Q2 ’26+8%+13%

Non-interest income vs. expense

3.62%Q2 ’243.42%Q2 ’254.17%Q2 ’26-26%+60%

Market Position · Jefferson City, MO · 2026 SOD (annual) · 3.4% share · #6 of 20 inst. · $0.3B of $7.7B

Executive Summary

  • Earnings: ROA of 1.38%, down 34 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 15.26%, up 134 bps from a year ago.
  • Funding: loans stand at 93.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+45 bps YoY

Efficiency Ratio (YTD, annualized)

68.24%+741 bps YoY

Tier 1 Leverage Ratio

15.26%+134 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.78%1.81%1.51%1.38%-34 bps
Return on Equity12.79%13.06%13.30%10.71%9.63%-316 bps
Net Interest Margin3.40%3.49%3.53%3.87%3.85%+45 bps
Efficiency Ratio60.83%60.37%59.84%66.50%68.24%+741 bps
Non-Interest Burden1.19%1.23%1.24%1.82%1.91%+71 bps
Growth
Asset Growth (YoY)8.52%8.96%7.95%1.66%-0.86%-938 bps
Loan Growth (YoY)23.38%17.23%12.85%3.27%-3.39%-2,677 bps
Deposit Growth (YoY)25.84%25.50%17.83%11.13%-11.25%-3,709 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.03%-0.04%-0.05%-0.07%-0.07%-5 bps
Allowance / Loans1.80%1.79%1.80%1.81%1.94%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.92%14.33%14.11%14.75%15.26%+134 bps
Total Risk-Based Capital15.76%16.12%16.17%16.59%17.68%+192 bps
Equity / Assets13.67%14.15%13.54%14.69%14.92%+125 bps
Liquidity & Funding
Loans / Deposits86.26%95.36%96.64%94.84%93.90%+764 bps
Liquid Assets / Assets7.90%10.03%11.78%11.60%11.64%+374 bps
CRE / Total Capitaln/a195.57%203%195.35%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Midwest Independent Bankersbank

Jefferson City, MO · Cert 25849 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Midwest Ind Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$341.4MAssets
$243.6MLoans
$259.4MDeposits
$50.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: efficiency ratio trails 59% of banks under $1B in assets operating in a single state (rank 439 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.40%

Rank 204 of 746

Net Interest Margin

3.85%

Rank 309 of 746

Efficiency Ratio

68.24%

Rank 439 of 746

Equity / Assets

14.92%

Rank 103 of 746

Non-interest income vs. expense

$7.6M$14.0MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state
Bank 68.24%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.72%1.06%1.45%Beats 73%204 / 746
Return on Equity9.42%6.74%10.51%13.63%Beats 42%430 / 746
Net Interest Margin3.85%3.17%3.68%4.16%Beats 59%309 / 746
Efficiency Ratio68.24%55.74%64.58%75.47%Beats 41%439 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio16.43%11.55%13.75%17.60%Beats 70%226 / 746
Total Risk-Based Capital Ratio17.68%11.71%14.33%18.43%Beats 72%210 / 746
Equity / Assets14.92%8.90%10.51%13.06%Beats 86%103 / 746
Liquidity & Funding
Loans / Deposits93.90%61.31%78.27%90.78%81st pctl141 / 746
Loans / Assets71.35%53.60%66.97%76.08%60th pctl297 / 746
Brokered Deposits / Depositsn/aNot reported for this institution