Tyndall, SD · Cert 485 · Midwest Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #25 of 42 inst. · $0.1B of $1127.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.64% | 0.62% | 0.76% | 0.60% | -3 bps | |
| Return on Equity | 8.10% | 8.07% | 7.64% | 8.64% | 6.72% | -138 bps | |
| Net Interest Margin | 3.04% | 3.10% | 3.06% | 3.25% | 3.36% | +31 bps | |
| Efficiency Ratio | 74.40% | 74.24% | 75.27% | 71.27% | 76.35% | +195 bps | |
| Non-Interest Burden | 2.22% | 2.26% | 2.27% | 2.27% | 2.53% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.77% | -2.83% | -4.66% | -4.81% | -7.20% | -343 bps | |
| Loan Growth (YoY) | -4.19% | -3.31% | -6.37% | -5.74% | -1.49% | +270 bps | |
| Deposit Growth (YoY) | -6.39% | -8.57% | -4.37% | -6.13% | -5.89% | +50 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.35% | 0.40% | +40 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.35% | 1.33% | 1.35% | 1.38% | 1.37% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 3.9x | 3.4x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.45% | 9.81% | 9.82% | 10.27% | 10.52% | +107 bps | |
| Total Risk-Based Capital | 9.45% | 9.81% | 9.82% | 10.27% | 10.52% | +107 bps | |
| Equity / Assets | 8.12% | 8.25% | 8.54% | 9.02% | 9.39% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.31% | 92.16% | 89.19% | 86.91% | 90.35% | +403 bps | |
| Liquid Assets / Assets | 18.75% | 18.35% | 19.12% | 18.32% | 19.19% | +43 bps | |
| CRE / Total Capital | n/a | 58.52% | 49.04% | 32.00% | n/a | n/a | |