Maple Lake, MN · Cert 5095 · Midwest Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
12
Profitability
37
Liquidity
47
Efficiency
57
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.
Maple Lake, MN · Cert 5095 · Midwest Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #69 of 125 inst. · $0.2B of $253.2B
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 | 1.42% | 1.51% | 1.07% | 0.32% | 0.62% | 0.65% | -0.21% | 0.42% | +11 bps | |
| Return on Equity | 16.26% | 17.07% | 11.43% | 3.37% | 6.56% | 6.89% | -2.20% | 4.40% | +103 bps | |
| Net Interest Margin | 4.18% | 4.22% | 4.36% | 4.44% | 4.47% | 4.47% | 4.86% | 4.87% | +42 bps | |
| Efficiency Ratio | 60.36% | 58.74% | 65.18% | 62.30% | 62.44% | 61.10% | 61.50% | 61.94% | -36 bps | |
| Non-Interest Burden | 2.34% | 2.31% | 2.72% | 2.63% | 2.66% | 2.59% | 2.93% | 2.93% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.77% | 21.80% | 17.57% | 1.83% | 2.28% | 0.56% | -0.41% | 0.12% | -171 bps | |
| Loan Growth (YoY) | 23.48% | 24.78% | 21.60% | 6.88% | 3.01% | -1.27% | -3.71% | -4.56% | -1,144 bps | |
| Deposit Growth (YoY) | 13.00% | 20.29% | 15.25% | -0.79% | 3.20% | 0.28% | -0.19% | -0.42% | +37 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 2.23% | 2.35% | 3.42% | 4.10% | 3.22% | 2.43% | 2.07% | -135 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.16% | -0.01% | 1.57% | 1.13% | 1.29% | 2.97% | 1.79% | +22 bps | |
| Allowance / Loans | 1.15% | 1.10% | 1.16% | 1.11% | 1.12% | 1.08% | 1.06% | 1.08% | -3 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.5x | 0.5x | 0.3x | 0.3x | 0.3x | 0.4x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 9.10% | 9.41% | 8.92% | 9.10% | 9.04% | 9.01% | 9.29% | +37 bps | |
| Total Risk-Based Capital | 10.76% | 10.97% | 11.41% | 10.71% | 10.99% | 11.25% | 11.49% | 11.75% | +104 bps | |
| Equity / Assets | 9.15% | 9.17% | 9.57% | 9.39% | 9.46% | 9.47% | 9.45% | 9.91% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.94% | 93.13% | 92.90% | 96.91% | 94.76% | 91.69% | 89.61% | 92.88% | -403 bps | |
| Liquid Assets / Assets | 4.35% | 6.15% | 6.89% | 3.20% | 6.83% | 8.87% | 10.37% | 8.70% | +550 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 291% | 294% | 286% | n/a | n/a | |
Maple Lake, MN · Cert 5095 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Midwest Bcorp Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
0.43%
Rank 48 of 53
Net Interest Margin
4.87%
Rank 3 of 53
Efficiency Ratio
62.45%
Rank 24 of 53
Equity / Assets
9.91%
Rank 21 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.73% | 1.11% | 1.30% | Beats 9% | 48 / 53 | ||
| Return on Equity | 4.36% | 7.88% | 12.20% | 14.12% | Beats 8% | 49 / 53 | ||
| Net Interest Margin | 4.87% | 3.39% | 3.77% | 4.09% | Beats 94% | 3 / 53 | ||
| Efficiency Ratio | 62.45% | 56.05% | 65.05% | 71.57% | Beats 57% | 24 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.07% | 0.14% | 0.52% | 1.20% | Beats 17% | 45 / 53 | ||
| Net Charge-Offs / Loans | 0.97% | 0.00% | 0.01% | 0.08% | Beats 6% | 51 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.73% | 10.73% | 12.98% | 15.08% | Beats 25% | 40 / 53 | ||
| Total Risk-Based Capital Ratio | 11.75% | 11.49% | 13.79% | 16.34% | Beats 30% | 37 / 53 | ||
| Equity / Assets | 9.91% | 8.08% | 9.25% | 10.72% | Beats 60% | 21 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.88% | 72.13% | 82.29% | 93.80% | 68th pctl | 17 / 53 | ||
| Loans / Assets | 80.14% | 63.64% | 71.80% | 79.37% | 77th pctl | 12 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||