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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.73% | 1.07% | -0.59% | 1.22% | 0.74% | -0.21% | 1.02% | +161 bps | |
| Return on Equity | 17.04% | 18.89% | 11.43% | -6.26% | 13.00% | 7.83% | -2.20% | 10.55% | +1,681 bps | |
| Net Interest Margin | 4.48% | 4.85% | 4.36% | 4.49% | 4.61% | 4.75% | 4.86% | 4.83% | +34 bps | |
| Efficiency Ratio | 58.09% | 54.62% | 65.18% | 59.49% | 62.71% | 57.39% | 61.50% | 62.38% | +289 bps | |
| Non-Interest Burden | 2.43% | 2.49% | 2.72% | 2.53% | 2.75% | 2.57% | 2.93% | 2.91% | +38 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 | 0.14% | 0.22% | -0.01% | 3.15% | 0.25% | 1.74% | 2.97% | 0.64% | -251 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 | |