Midwest National Bank
Sandoval, IL · Cert 3834 · Peer group: banks under $1B in assets in IL (n=149-151) · First Sandoval Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$122.6MAssets
$96.7MLoans
$108.5MDeposits
$8.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 50% of banks under $1B in assets in IL (rank 76 of 151).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets in IL (rank 147 of 151).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.03%
Rank 146 of 151
Net Interest Margin
3.43%
Rank 76 of 151
Efficiency Ratio
98.18%
Rank 147 of 151
Equity / Assets
7.11%
Rank 143 of 151
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 3% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.70% | 1.03% | 1.34% | Beats 3% | 146 / 151 | | |
| Return on Equity | 0.40% | 6.74% | 9.34% | 12.94% | Beats 3% | 146 / 151 | | |
| Net Interest Margin | 3.43% | 3.02% | 3.43% | 3.83% | Beats 50% | 76 / 151 | | |
| Efficiency Ratio | 98.18% | 54.64% | 64.89% | 72.50% | Beats 3% | 147 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.91% | 0.20% | 0.66% | 1.77% | Beats 23% | 116 / 149 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.07% | Beats 34% | 99 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 11.38% | 11.83% | 14.17% | 18.66% | Beats 18% | 124 / 151 | | |
| Total Risk-Based Capital Ratio | 12.63% | 12.22% | 14.54% | 19.92% | Beats 32% | 103 / 151 | | |
| Equity / Assets | 7.11% | 9.10% | 10.65% | 12.40% | Beats 5% | 143 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.14% | 54.39% | 71.02% | 80.75% | 89th pctl | 17 / 149 | | |
| Loans / Assets | 78.88% | 45.91% | 61.31% | 68.01% | 95th pctl | 8 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |