Sleepy Eye, MN · Cert 8205 · Midwest Bancshares Inc.
State charter, non-member · FDIC · 4 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 the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
53
Profitability
33
Liquidity
44
Efficiency
11
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.
Sleepy Eye, MN · Cert 8205 · Midwest Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.0% share · #96 of 125 inst. · $0.1B of $253.2B
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 | 0.56% | 0.56% | 0.55% | 0.56% | 0.59% | 0.57% | 0.72% | 0.62% | +6 bps | |
| Return on Equity | 5.81% | 5.92% | 5.71% | 5.75% | 5.95% | 5.68% | 6.60% | 5.71% | -4 bps | |
| Net Interest Margin | 3.54% | 3.47% | 3.60% | 3.68% | 3.68% | 3.78% | 4.10% | 4.06% | +39 bps | |
| Efficiency Ratio | 79.02% | 78.71% | 79.18% | 77.25% | 75.64% | 77.23% | 76.46% | 75.94% | -131 bps | |
| Non-Interest Burden | 2.74% | 2.68% | 2.80% | 2.78% | 2.73% | 2.86% | 3.08% | 3.03% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 6.26% | 2.25% | 3.39% | 2.51% | -3.42% | 0.68% | -0.46% | -385 bps | |
| Loan Growth (YoY) | 5.33% | 5.39% | 4.51% | 5.93% | 8.46% | 2.32% | 3.89% | 2.40% | -353 bps | |
| Deposit Growth (YoY) | 1.35% | 6.38% | 8.53% | 4.91% | 3.88% | 2.26% | -3.55% | 3.69% | -122 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.04% | 0.04% | 0.33% | 0.63% | 0.60% | 0.60% | +56 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.02% | 0.02% | 0.31% | 0.01% | 0.01% | -2 bps | |
| Allowance / Loans | 1.22% | 1.17% | 1.14% | 1.15% | 1.19% | 0.92% | 0.88% | 0.94% | -21 bps | |
| Allowance Coverage of NPLs | 26.9x | 28.3x | 28.3x | 29.7x | 3.6x | 1.5x | 1.5x | 1.6x | -28.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 10.72% | 11.10% | 11.09% | 11.19% | 11.50% | 11.67% | 11.66% | +57 bps | |
| Total Risk-Based Capital | 14.07% | 14.06% | 13.94% | 13.74% | 14.07% | 11.50% | 11.67% | 11.66% | -208 bps | |
| Equity / Assets | 9.98% | 9.42% | 9.90% | 10.04% | 10.40% | 10.89% | 10.79% | 10.81% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.37% | 87.67% | 89.36% | 94.65% | 92.27% | 87.72% | 96.25% | 93.47% | -118 bps | |
| Liquid Assets / Assets | 2.20% | 3.75% | 0.32% | 0.32% | 1.11% | 0.89% | 0.28% | 0.35% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 361% | 358% | 357% | n/a | n/a | |
Sleepy Eye, MN · Cert 8205 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Midwest Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
0.61%
Rank 43 of 53
Net Interest Margin
4.06%
Rank 16 of 53
Efficiency Ratio
75.94%
Rank 48 of 53
Equity / Assets
10.81%
Rank 12 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | 0.73% | 1.11% | 1.30% | Beats 19% | 43 / 53 | ||
| Return on Equity | 5.66% | 7.88% | 12.20% | 14.12% | Beats 11% | 47 / 53 | ||
| Net Interest Margin | 4.06% | 3.39% | 3.77% | 4.09% | Beats 70% | 16 / 53 | ||
| Efficiency Ratio | 75.94% | 56.05% | 65.05% | 71.57% | Beats 11% | 48 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.14% | 0.52% | 1.20% | Beats 47% | 29 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 58% | 23 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.66% | 10.73% | 12.98% | 15.08% | Beats 38% | 33 / 53 | ||
| Total Risk-Based Capital Ratio | 11.66% | 11.49% | 13.79% | 16.34% | Beats 28% | 38 / 53 | ||
| Equity / Assets | 10.81% | 8.08% | 9.25% | 10.72% | Beats 77% | 12 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.47% | 72.13% | 82.29% | 93.80% | 70th pctl | 16 / 53 | ||
| Loans / Assets | 79.37% | 63.64% | 71.80% | 79.37% | 74th pctl | 14 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||