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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

$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

5.38%Q2 ’245.48%Q2 ’255.38%Q2 ’26+11%+8%

Non-interest income vs. expense

3.63%Q2 ’243.41%Q2 ’254.23%Q2 ’26-32%+74%

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 1.27%, down 57 bps year over year; NIM at 3.78%.
  • 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 (quarter, annualized)

1.27%-57 bps YoY

Net Interest Margin (quarter, annualized)

3.78%+27 bps YoY

Efficiency Ratio (quarter, annualized)

70.03%+1,106 bps YoY

Tier 1 Leverage Ratio

15.26%+134 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.89%1.91%1.51%1.27%-57 bps
Return on Equity13.47%13.59%13.81%10.71%8.56%-491 bps
Net Interest Margin3.51%3.69%3.77%3.87%3.78%+27 bps
Efficiency Ratio58.97%59.48%58.36%66.50%70.03%+1,106 bps
Non-Interest Burden1.13%1.30%1.29%1.82%1.97%+84 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%-0.07%-0.07%-0.07%-0.07%-4 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