United Midwest Savings Bank, National Association
De Graff, OH · Cert 32441 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · MSB Capital Corp.
National charter · OCC · 6 branches
Q2 2026
$523.4MAssets
$379.9MLoans
$430.8MDeposits
$71.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets operating in a single state (rank 148 of 746).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating in a single state (rank 738 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.85%
Rank 486 of 746
Net Interest Margin
4.06%
Rank 222 of 746
Efficiency Ratio
78.34%
Rank 594 of 746
Equity / Assets
13.59%
Rank 158 of 746
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 486 / 746 | | |
| Return on Equity | 6.24% | 6.74% | 10.51% | 13.63% | Beats 23% | 576 / 746 | | |
| Net Interest Margin | 4.06% | 3.17% | 3.68% | 4.16% | Beats 70% | 222 / 746 | | |
| Efficiency Ratio | 78.34% | 55.74% | 64.58% | 75.47% | Beats 21% | 594 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.09% | 0.42% | 1.07% | Beats 25% | 555 / 743 | | |
| Net Charge-Offs / Loans | 1.27% | 0.00% | 0.01% | 0.05% | Beats 1% | 738 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 18.41% | 11.55% | 13.75% | 17.60% | Beats 79% | 160 / 746 | | |
| Total Risk-Based Capital Ratio | 19.68% | 11.71% | 14.33% | 18.43% | Beats 80% | 148 / 746 | | |
| Equity / Assets | 13.59% | 8.90% | 10.51% | 13.06% | Beats 79% | 158 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.19% | 61.31% | 78.27% | 90.78% | 70th pctl | 224 / 746 | | |
| Loans / Assets | 72.58% | 53.60% | 66.97% | 76.08% | 64th pctl | 265 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |