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 | |