Centennial, CO · Cert 58826 · Midwest Banc Holding Co.
State charter, non-member · FDIC · 3 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 (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
100
Profitability
30
Liquidity
60
Efficiency
25
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.
Centennial, CO · Cert 58826 · Midwest Banc Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (14 in holding)
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.2% share · #30 of 68 inst. · $0.3B of $113.6B
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 | 0.52% | 0.51% | 0.58% | 0.51% | 0.52% | 0.61% | 0.52% | 0.53% | +2 bps | |
| Return on Equity | 4.45% | 4.27% | 4.45% | 3.99% | 4.17% | 4.99% | 4.58% | 4.65% | +66 bps | |
| Net Interest Margin | 3.21% | 3.28% | 3.67% | 3.56% | 3.36% | 3.27% | 3.45% | 3.52% | -4 bps | |
| Efficiency Ratio | 73.11% | 73.35% | 76.18% | 78.32% | 77.81% | 73.68% | 75.77% | 75.56% | -277 bps | |
| Non-Interest Burden | 2.40% | 2.47% | 2.85% | 2.85% | 2.67% | 2.46% | 2.65% | 2.72% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.28% | -5.94% | -5.90% | 2.96% | -2.44% | 25.56% | 27.45% | 15.05% | +1,208 bps | |
| Loan Growth (YoY) | 3.30% | 2.85% | -1.75% | 2.65% | 6.17% | 7.47% | 11.55% | 2.19% | -46 bps | |
| Deposit Growth (YoY) | 14.76% | 1.51% | 3.26% | 14.74% | 6.21% | 31.20% | 30.18% | 15.65% | +90 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 1.34% | 1.33% | 1.21% | 1.19% | 0.00% | 0.00% | 0.00% | -121 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.71% | 1.77% | 1.82% | 1.67% | 1.65% | 1.63% | 1.62% | 1.62% | -5 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.4x | 1.4x | 1.4x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.26% | 11.64% | 12.71% | 12.37% | 11.61% | 10.88% | 11.82% | 11.98% | -40 bps | |
| Total Risk-Based Capital | 11.26% | 16.55% | 16.87% | 15.82% | 11.61% | 10.88% | 11.82% | 11.98% | -384 bps | |
| Equity / Assets | 11.05% | 13.09% | 13.08% | 12.02% | 11.75% | 11.32% | 11.18% | 11.59% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.73% | 80.57% | 75.13% | 74.84% | 70.71% | 66.00% | 64.38% | 66.13% | -871 bps | |
| Liquid Assets / Assets | 16.53% | 0.88% | 4.14% | 6.12% | 12.80% | 17.13% | 19.25% | 15.48% | +936 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 382% | 371% | 349% | n/a | n/a | |
Centennial, CO · Cert 58826 · Peer group: banks under $1B in assets (n=570-617) · Midwest Banc Holding Co.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (14 in holding)
Q2 2026
Return on Assets
0.53%
Rank 487 of 617
Net Interest Margin
3.52%
Rank 318 of 617
Efficiency Ratio
79.08%
Rank 463 of 617
Equity / Assets
11.59%
Rank 243 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.53% | 0.60% | 1.01% | 1.45% | Beats 21% | 487 / 617 | ||
| Return on Equity | 4.58% | 5.30% | 9.43% | 13.30% | Beats 21% | 488 / 617 | ||
| Net Interest Margin | 3.52% | 3.04% | 3.54% | 4.05% | Beats 48% | 318 / 617 | ||
| Efficiency Ratio | 79.08% | 58.03% | 67.76% | 79.08% | Beats 25% | 463 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 78 / 570 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.98% | 11.18% | 13.83% | 18.55% | Beats 34% | 410 / 617 | ||
| Total Risk-Based Capital Ratio | 11.98% | 11.56% | 14.39% | 19.39% | Beats 29% | 439 / 617 | ||
| Equity / Assets | 11.59% | 9.03% | 10.55% | 13.63% | Beats 61% | 243 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.13% | 64.77% | 79.70% | 93.06% | 27th pctl | 424 / 582 | ||
| Loans / Assets | 58.27% | 51.70% | 67.18% | 77.51% | 34th pctl | 406 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||