Clayton, MO · Cert 8889 · Midwest Regional Bcorp Inc.
State charter, non-member · FDIC · 7 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 St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
4
Profitability
25
Liquidity
39
Efficiency
43
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.
Clayton, MO · Cert 8889 · Midwest Regional Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #34 of 111 inst. · $0.8B of $141.7B
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 | 0.86% | 0.89% | 0.53% | 0.26% | 0.29% | 0.21% | 0.67% | -1.34% | -160 bps | |
| Return on Equity | 9.33% | 9.61% | 5.47% | 2.72% | 2.95% | 2.13% | 6.11% | -12.34% | -1,506 bps | |
| Net Interest Margin | 2.80% | 2.79% | 2.78% | 2.99% | 3.14% | 3.26% | 3.17% | 3.40% | +40 bps | |
| Efficiency Ratio | 63.68% | 63.18% | 70.42% | 76.90% | 70.30% | 70.86% | 69.36% | 69.18% | -772 bps | |
| Non-Interest Burden | 1.43% | 1.43% | 1.80% | 2.13% | 1.98% | 2.07% | 1.96% | 2.10% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 9.41% | 3.41% | 4.47% | -0.49% | -4.89% | -10.38% | -15.50% | -1,998 bps | |
| Loan Growth (YoY) | 10.52% | 8.33% | 2.87% | 5.18% | -0.10% | -5.55% | -10.27% | -16.77% | -2,195 bps | |
| Deposit Growth (YoY) | 11.43% | 18.00% | 3.77% | 3.40% | -2.33% | -7.24% | -11.85% | -14.52% | -1,792 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.76% | 2.11% | 5.44% | 4.66% | 5.01% | 5.62% | 6.17% | 6.61% | +195 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.26% | 0.14% | 0.11% | 0.25% | 0.37% | 0.34% | 3.20% | +308 bps | |
| Allowance / Loans | 1.19% | 1.10% | 1.18% | 1.34% | 1.68% | 1.98% | 2.14% | 2.54% | +120 bps | |
| Allowance Coverage of NPLs | 1.6x | 0.5x | 0.2x | 0.3x | 0.3x | 0.4x | 0.3x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.36% | 9.28% | 9.76% | 9.73% | 9.81% | 10.09% | 10.68% | 10.23% | +51 bps | |
| Total Risk-Based Capital | 11.30% | 11.34% | 11.81% | 11.73% | 12.44% | 12.84% | 13.47% | 12.67% | +93 bps | |
| Equity / Assets | 9.42% | 9.35% | 9.98% | 9.80% | 10.22% | 10.64% | 11.30% | 10.53% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.04% | 92.36% | 91.84% | 93.69% | 94.14% | 94.04% | 93.48% | 91.23% | -246 bps | |
| Liquid Assets / Assets | 2.55% | 2.64% | 3.84% | 4.07% | 4.19% | 4.06% | 6.90% | 6.70% | +262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 582% | 560% | 528% | n/a | n/a | |
Clayton, MO · Cert 8889 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Midwest Regional Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
-1.40%
Rank 39 of 40
Net Interest Margin
3.40%
Rank 13 of 40
Efficiency Ratio
69.18%
Rank 24 of 40
Equity / Assets
10.53%
Rank 16 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.40% | 0.64% | 1.04% | 1.26% | Beats 3% | 39 / 40 | ||
| Return on Equity | -13.32% | 6.25% | 9.97% | 13.41% | Beats 3% | 39 / 40 | ||
| Net Interest Margin | 3.40% | 3.09% | 3.22% | 3.62% | Beats 68% | 13 / 40 | ||
| Efficiency Ratio | 69.18% | 57.08% | 64.37% | 75.86% | Beats 43% | 24 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.61% | 0.14% | 0.62% | 1.92% | Beats 5% | 37 / 38 | ||
| Net Charge-Offs / Loans | 1.68% | 0.00% | 0.01% | 0.09% | Beats 3% | 38 / 38 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.40% | 10.29% | 12.88% | 15.77% | Beats 38% | 25 / 40 | ||
| Total Risk-Based Capital Ratio | 12.67% | 10.64% | 13.30% | 17.01% | Beats 48% | 21 / 40 | ||
| Equity / Assets | 10.53% | 8.59% | 9.46% | 12.46% | Beats 60% | 16 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.23% | 66.12% | 79.48% | 94.60% | 73rd pctl | 11 / 40 | ||
| Loans / Assets | 80.77% | 54.69% | 68.52% | 77.46% | 83rd pctl | 7 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||