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 (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 | 1.01% | 1.02% | 1.18% | 1.35% | 1.30% | 1.31% | 1.31% | 1.50% | +15 bps | |
| Return on Equity | 10.72% | 10.31% | 11.72% | 13.03% | 12.23% | 12.40% | 12.54% | 13.68% | +65 bps | |
| Net Interest Margin | 3.03% | 3.06% | 3.37% | 3.58% | 3.66% | 3.81% | 3.77% | 3.95% | +37 bps | |
| Efficiency Ratio | 61.86% | 61.70% | 59.11% | 55.79% | 58.55% | 57.84% | 56.69% | 53.97% | -182 bps | |
| Non-Interest Burden | 1.73% | 1.75% | 1.84% | 1.83% | 1.97% | 2.05% | 1.98% | 1.94% | +11 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 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 | |