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 | |