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
Unfavorable gap of $13.6M · efficiency ratio beats 46% of banks under $1B in assets in the Omaha, NE-IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.92% | 1.29% | 1.77% | Beats 46% | 13 / 24 | | |
| Return on Equity | 11.72% | 9.64% | 12.01% | 15.30% | Beats 46% | 13 / 24 | | |
| Net Interest Margin | 3.58% | 3.02% | 3.76% | 3.98% | Beats 38% | 15 / 24 | | |
| Efficiency Ratio | 60.42% | 49.60% | 59.31% | 66.55% | Beats 46% | 14 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.10% | 0.37% | 1.03% | Beats 67% | 9 / 24 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 33% | 17 / 24 | | |
| Capital |
| Tier 1 Capital Ratio | 16.79% | 10.53% | 11.57% | 13.63% | Beats 92% | 2 / 24 | | |
| Total Risk-Based Capital Ratio | 18.05% | 11.15% | 12.06% | 13.90% | Beats 92% | 2 / 24 | | |
| Equity / Assets | 10.14% | 8.87% | 10.14% | 12.27% | Beats 50% | 12 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.32% | 75.32% | 83.30% | 93.06% | 25th pctl | 18 / 24 | | |
| Loans / Assets | 65.68% | 65.68% | 71.67% | 75.94% | 25th pctl | 18 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |