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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 $1.0MQ3 2024Q2 2026
Deposit mix
57%Interest-bearing $146.8M43%Noninterest $112.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.30%1.62%1.73%1.78%1.81%1.51%1.38%-34 bps
Return on Equity8.82%9.57%12.08%12.79%13.06%13.30%10.71%9.63%-316 bps
Net Interest Margin3.18%3.11%3.39%3.40%3.49%3.53%3.87%3.85%+45 bps
Efficiency Ratio70.06%68.59%62.81%60.83%60.37%59.84%66.50%68.24%+741 bps
Non-Interest Burden1.62%1.52%1.30%1.19%1.23%1.24%1.82%1.91%+71 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.02%-0.03%-0.04%-0.05%-0.07%-0.07%-5 bps
Allowance / Loans2.08%1.97%1.81%1.80%1.79%1.80%1.81%1.94%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.66%13.56%13.88%13.92%14.33%14.11%14.75%15.26%+134 bps
Total Risk-Based Capital17.08%16.00%15.34%15.76%16.12%16.17%16.59%17.68%+192 bps
Equity / Assets14.23%13.20%13.61%13.67%14.15%13.54%14.69%14.92%+125 bps
Liquidity & Funding
Loans / Deposits102.09%100.90%102.06%86.26%95.36%96.64%94.84%93.90%+764 bps
Liquid Assets / Assets11.53%8.52%4.05%7.90%10.03%11.78%11.60%11.64%+374 bps
CRE / Total Capitaln/an/an/an/a195.57%203%195.35%n/an/a