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
Unfavorable gap of $6.4M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.72% | 1.06% | 1.45% | Beats 73% | 204 / 746 | |
| Return on Equity | 9.42% | 6.74% | 10.51% | 13.63% | Beats 42% | 430 / 746 | |
| Net Interest Margin | 3.85% | 3.17% | 3.68% | 4.16% | Beats 59% | 309 / 746 | |
| Efficiency Ratio | 68.24% | 55.74% | 64.58% | 75.47% | Beats 41% | 439 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.43% | 11.55% | 13.75% | 17.60% | Beats 70% | 226 / 746 | |
| Total Risk-Based Capital Ratio | 17.68% | 11.71% | 14.33% | 18.43% | Beats 72% | 210 / 746 | |
| Equity / Assets | 14.92% | 8.90% | 10.51% | 13.06% | Beats 86% | 103 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 93.90% | 61.31% | 78.27% | 90.78% | 81st pctl | 141 / 746 | |
| Loans / Assets | 71.35% | 53.60% | 66.97% | 76.08% | 60th pctl | 297 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |