Jefferson City, MO · Cert 25849 · Midwest Ind Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Jefferson City, MO · 2026 SOD (annual) · 3.4% share · #6 of 20 inst. · $0.3B of $7.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.59% | 1.62% | 1.84% | 1.89% | 1.91% | 1.51% | 1.27% | -57 bps | |
| Return on Equity | 9.06% | 11.61% | 12.08% | 13.47% | 13.59% | 13.81% | 10.71% | 8.56% | -491 bps | |
| Net Interest Margin | 3.22% | 3.38% | 3.39% | 3.51% | 3.69% | 3.77% | 3.87% | 3.78% | +27 bps | |
| Efficiency Ratio | 69.58% | 64.55% | 62.81% | 58.97% | 59.48% | 58.36% | 66.50% | 70.03% | +1,106 bps | |
| Non-Interest Burden | 1.61% | 1.47% | 1.30% | 1.13% | 1.30% | 1.29% | 1.82% | 1.97% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | 4.98% | 6.42% | 8.52% | 8.96% | 7.95% | 1.66% | -0.86% | -938 bps | |
| Loan Growth (YoY) | 13.77% | 16.97% | 21.38% | 23.38% | 17.23% | 12.85% | 3.27% | -3.39% | -2,677 bps | |
| Deposit Growth (YoY) | -0.19% | 8.14% | -0.18% | 25.84% | 25.50% | 17.83% | 11.13% | -11.25% | -3,709 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.02% | -0.03% | -0.07% | -0.07% | -0.07% | -0.07% | -4 bps | |
| Allowance / Loans | 2.08% | 1.97% | 1.81% | 1.80% | 1.79% | 1.80% | 1.81% | 1.94% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.66% | 13.56% | 13.88% | 13.92% | 14.33% | 14.11% | 14.75% | 15.26% | +134 bps | |
| Total Risk-Based Capital | 17.08% | 16.00% | 15.34% | 15.76% | 16.12% | 16.17% | 16.59% | 17.68% | +192 bps | |
| Equity / Assets | 14.23% | 13.20% | 13.61% | 13.67% | 14.15% | 13.54% | 14.69% | 14.92% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.09% | 100.90% | 102.06% | 86.26% | 95.36% | 96.64% | 94.84% | 93.90% | +764 bps | |
| Liquid Assets / Assets | 11.53% | 8.52% | 4.05% | 7.90% | 10.03% | 11.78% | 11.60% | 11.64% | +374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 195.57% | 203% | 195.35% | n/a | n/a | |