Council Bluffs, IA · Cert 4465 · Midstates Bancshares Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.8% share · #19 of 77 inst. · $0.3B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.63% | 0.86% | 0.85% | 0.90% | 1.00% | 1.12% | 1.22% | +37 bps | |
| Return on Equity | 8.10% | 8.07% | 10.27% | 9.78% | 9.91% | 10.71% | 10.72% | 11.76% | +198 bps | |
| Net Interest Margin | 2.86% | 2.85% | 3.13% | 3.20% | 3.31% | 3.49% | 3.58% | 3.58% | +38 bps | |
| Efficiency Ratio | 68.15% | 68.15% | 62.25% | 62.20% | 61.08% | 56.73% | 54.91% | 54.54% | -766 bps | |
| Non-Interest Burden | 2.09% | 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 / Loans | 0.93% | 0.77% | 0.99% | 0.75% | 0.74% | 0.29% | 0.34% | 0.29% | -46 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.00% | -0.01% | -0.05% | 0.05% | 0.02% | +2 bps | |
| Allowance / Loans | 2.13% | 2.14% | 2.16% | 2.17% | 2.17% | 2.15% | 2.13% | 2.14% | -3 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.8x | 2.2x | 2.9x | 2.9x | 7.4x | 6.2x | 7.4x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 10.34% | 10.65% | 10.88% | 11.44% | 11.64% | 11.80% | 11.60% | +72 bps | |
| Total Risk-Based Capital | 16.57% | 16.82% | 17.16% | 17.56% | 17.70% | 17.82% | 17.83% | 18.05% | +49 bps | |
| Equity / Assets | 8.64% | 8.10% | 8.66% | 9.38% | 10.04% | 10.40% | 10.52% | 10.14% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.24% | 72.81% | 72.59% | 75.53% | 77.62% | 77.97% | 79.01% | 75.32% | -20 bps | |
| Liquid Assets / Assets | 0.30% | 1.35% | 2.48% | 0.39% | 0.77% | 1.20% | 1.05% | 1.13% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 175.29% | 175.36% | 174.41% | n/a | n/a | |