Cozad, NE · Cert 5394 · Midwest Banco Corp.
State charter, non-member · FDIC · 8 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 NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
39
Profitability
70
Liquidity
82
Efficiency
65
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.
Cozad, NE · Cert 5394 · Midwest Banco Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Colorado Springs, CO · 2026 SOD (annual) · 0.6% share · #30 of 41 inst. · $0.1B of $10.7B
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 | 0.93% | 0.96% | 1.18% | 1.27% | 1.28% | 1.28% | 1.31% | 1.41% | +14 bps | |
| Return on Equity | 10.29% | 10.37% | 11.72% | 12.38% | 12.33% | 12.39% | 12.54% | 13.07% | +69 bps | |
| Net Interest Margin | 2.92% | 2.96% | 3.37% | 3.45% | 3.48% | 3.46% | 3.77% | 3.88% | +44 bps | |
| Efficiency Ratio | 63.48% | 63.03% | 59.11% | 57.39% | 57.80% | 57.81% | 56.69% | 55.30% | -208 bps | |
| Non-Interest Burden | 1.71% | 1.72% | 1.84% | 1.82% | 1.85% | 1.84% | 1.98% | 1.97% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | -2.22% | -1.67% | 0.83% | 1.44% | 11.96% | 8.60% | 2.94% | +211 bps | |
| Loan Growth (YoY) | -0.13% | -1.66% | 2.32% | 4.73% | 7.31% | 16.15% | 9.65% | 5.76% | +104 bps | |
| Deposit Growth (YoY) | -0.98% | 2.53% | 0.34% | 2.85% | -0.31% | 14.41% | 12.44% | 10.77% | +791 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.87% | 0.81% | 0.78% | 0.74% | 0.63% | 0.61% | 0.59% | -20 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.52% | 2.60% | 2.47% | 2.38% | 2.35% | 2.31% | 2.35% | 2.37% | -1 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.0x | 3.1x | 3.0x | 3.2x | 3.7x | 3.8x | 4.0x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.15% | 11.21% | 11.51% | 11.58% | 11.50% | 10.58% | 10.47% | 10.87% | -70 bps | |
| Total Risk-Based Capital | 14.73% | 15.04% | 14.58% | 14.61% | 14.58% | 13.41% | 13.58% | 14.12% | -48 bps | |
| Equity / Assets | 9.82% | 9.95% | 10.21% | 10.49% | 10.77% | 10.40% | 10.57% | 11.31% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.75% | 81.73% | 86.21% | 90.50% | 91.23% | 82.98% | 84.07% | 86.41% | -409 bps | |
| Liquid Assets / Assets | 0.53% | 1.02% | 1.02% | 0.99% | 0.91% | 1.18% | 1.48% | 1.44% | +45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 324% | 343% | 333% | n/a | n/a | |
Cozad, NE · Cert 5394 · Peer group: banks under $1B in assets in NE (n=83) · Midwest Banco Corp.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.45%
Rank 25 of 83
Net Interest Margin
3.88%
Rank 25 of 83
Efficiency Ratio
55.91%
Rank 30 of 83
Equity / Assets
11.31%
Rank 42 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.93% | 1.20% | 1.51% | Beats 70% | 25 / 83 | ||
| Return on Equity | 12.78% | 8.04% | 10.34% | 13.11% | Beats 71% | 24 / 83 | ||
| Net Interest Margin | 3.88% | 3.25% | 3.62% | 4.02% | Beats 70% | 25 / 83 | ||
| Efficiency Ratio | 55.91% | 51.13% | 59.95% | 67.19% | Beats 65% | 30 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.00% | 0.19% | 0.96% | Beats 29% | 60 / 83 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 48% | 45 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.86% | 10.94% | 13.24% | 16.62% | Beats 46% | 45 / 83 | ||
| Total Risk-Based Capital Ratio | 14.12% | 11.04% | 13.54% | 17.63% | Beats 54% | 38 / 83 | ||
| Equity / Assets | 11.31% | 9.90% | 11.31% | 13.84% | Beats 49% | 42 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.41% | 71.97% | 83.15% | 92.22% | 59th pctl | 34 / 83 | ||
| Loans / Assets | 71.64% | 57.96% | 69.15% | 77.64% | 57th pctl | 36 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||