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Midstates Bank, National Association

Council Bluffs, IA · Cert 4465 · Midstates Bancshares Inc.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Omaha, NE-IA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Omaha, NE-IA area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

78

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midstates Bank, National Association

Council Bluffs, IA · Cert 4465 · Midstates Bancshares Inc.

National charter · OCC · 10 branches

Q2 2026

$653.9MAssets
$429.5MLoans
$570.2MDeposits
$66.3MEquity
Loan mix
92%RE $283.6M7%C&I $22.8M1%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $452.4M21%Noninterest $117.8MQ3 2024Q2 2026

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.8% share · #19 of 77 inst. · $0.3B of $42.7B

9.9% Pottawattamie
17.9% Shelby
6.9% Plymouth
18.8% Harrison

Executive Summary

  • Earnings: ROA of 1.22%, up 37 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.29% of loans (-46 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.60%, up 72 bps from a year ago.
  • Funding: loans stand at 75.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.22%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+38 bps YoY

Efficiency Ratio (YTD, annualized)

54.54%-766 bps YoY

Tier 1 Leverage Ratio

11.60%+72 bps YoY

NIM

4.52%Q2 ’244.57%Q2 ’254.79%Q2 ’26+13%+12%

Non-interest income vs. expense

2.41%Q2 ’242.45%Q2 ’252.33%Q2 ’26-2%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.63%0.86%0.85%0.90%1.00%1.12%1.22%+37 bps
Return on Equity8.10%8.07%10.27%9.78%9.91%10.71%10.72%11.76%+198 bps
Net Interest Margin2.86%2.85%3.13%3.20%3.31%3.49%3.58%3.58%+38 bps
Efficiency Ratio68.15%68.15%62.25%62.20%61.08%56.73%54.91%54.54%-766 bps
Non-Interest Burden2.09%2.07%2.06%2.08%2.11%2.04%2.14%2.05%-3 bps
Growth
Asset Growth (YoY)2.92%-2.75%-0.42%-2.20%-1.36%-0.55%-0.86%4.94%+714 bps
Loan Growth (YoY)2.96%-0.56%-1.32%0.88%0.31%3.95%5.73%5.75%+487 bps
Deposit Growth (YoY)2.74%2.67%0.16%-3.27%-2.76%-2.93%-2.87%6.03%+931 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.77%0.99%0.75%0.74%0.29%0.34%0.29%-46 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%-0.01%-0.05%0.05%0.02%+2 bps
Allowance / Loans2.13%2.14%2.16%2.17%2.17%2.15%2.13%2.14%-3 bps
Allowance Coverage of NPLs2.3x2.8x2.2x2.9x2.9x7.4x6.2x7.4x+4.5x
Capital
Tier 1 Leverage Ratio10.33%10.34%10.65%10.88%11.44%11.64%11.80%11.60%+72 bps
Total Risk-Based Capital16.57%16.82%17.16%17.56%17.70%17.82%17.83%18.05%+49 bps
Equity / Assets8.64%8.10%8.66%9.38%10.04%10.40%10.52%10.14%+76 bps
Liquidity & Funding
Loans / Deposits75.24%72.81%72.59%75.53%77.62%77.97%79.01%75.32%-20 bps
Liquid Assets / Assets0.30%1.35%2.48%0.39%0.77%1.20%1.05%1.13%+74 bps
CRE / Total Capitaln/an/an/an/a175.29%175.36%174.41%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Midstates Bank, National Association

Council Bluffs, IA · Cert 4465 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Midstates Bancshares Inc.

National charter · OCC · 10 branches

Q2 2026

$653.9MAssets
$429.5MLoans
$570.2MDeposits
$66.3MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets in the Omaha, NE-IA area (rank 2 of 24).
  • Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets in the Omaha, NE-IA area (rank 17 of 24).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.19%

Rank 13 of 24

Net Interest Margin

3.58%

Rank 15 of 24

Efficiency Ratio

60.42%

Rank 14 of 24

Equity / Assets

10.14%

Rank 12 of 24

Non-interest income vs. expense

$1.9M$15.5MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 46% of banks under $1B in assets in the Omaha, NE-IA area
Bank 60.42%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.92%1.29%1.77%Beats 46%13 / 24
Return on Equity11.72%9.64%12.01%15.30%Beats 46%13 / 24
Net Interest Margin3.58%3.02%3.76%3.98%Beats 38%15 / 24
Efficiency Ratio60.42%49.60%59.31%66.55%Beats 46%14 / 24
Asset Quality
Nonperforming Loans / Loans0.29%0.10%0.37%1.03%Beats 67%9 / 24
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 33%17 / 24
Capital
Tier 1 Capital Ratio16.79%10.53%11.57%13.63%Beats 92%2 / 24
Total Risk-Based Capital Ratio18.05%11.15%12.06%13.90%Beats 92%2 / 24
Equity / Assets10.14%8.87%10.14%12.27%Beats 50%12 / 24
Liquidity & Funding
Loans / Deposits75.32%75.32%83.30%93.06%25th pctl18 / 24
Loans / Assets65.68%65.68%71.67%75.94%25th pctl18 / 24
Brokered Deposits / Depositsn/aNot reported for this institution