PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midwest Regional

Kansas City, KS · Charter 60037

NCUA · 2 branches

Q2 2026

$71.9MAssets
$30.3MLoans
$63.3MShares
$8.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.63%, down 27 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.63% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.06%, up 80 bps from a year ago.
  • Funding: loans stand at 47.81% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.63%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+5 bps YoY

Efficiency Ratio (YTD, annualized)

75.97%+306 bps YoY

Net Worth / Assets

11.06%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.84%0.75%0.90%0.86%0.86%0.68%0.63%-27 bps
Return on Equity8.81%8.67%7.66%8.79%8.10%7.94%6.27%5.73%-306 bps
Net Interest Margin3.68%3.76%3.79%3.97%4.04%4.06%3.91%4.02%+5 bps
Efficiency Ratio69.49%69.90%74.31%72.91%73.99%73.81%75.06%75.97%+306 bps
Growth
Asset Growth (YoY)0.19%1.72%1.68%-0.80%-2.25%-2.86%-1.64%-0.85%-5 bps
Loan Growth (YoY)-3.20%-6.57%-6.59%-6.54%-5.28%-4.70%-4.70%-4.79%+176 bps
Share Growth (YoY)-0.61%0.85%1.11%-2.22%-3.65%-4.38%-2.74%-1.95%+27 bps
Asset Quality
Delinquent Loans / Loans0.42%0.85%0.94%0.61%0.59%0.87%0.65%0.63%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.50%9.71%9.81%10.26%10.62%10.86%10.80%11.06%+80 bps
Net Worth / Assets9.50%9.71%9.81%10.26%10.62%10.86%10.80%11.06%+80 bps
Liquidity & Funding
Loans / Shares51.78%50.63%48.43%49.24%50.91%50.46%47.46%47.81%-143 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps