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Midwest Regional Bank

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

$949.0MAssets
$766.5MLoans
$840.1MDeposits
$99.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of banks under $1B in assets in the St. Louis, MO-IL area (rank 13 of 40).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in the St. Louis, MO-IL area (rank 38 of 38).
  • Overall: at or above the peer median on 2 of 9 directional measures.

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

Non-interest income vs. expense

$7.7M$27.7MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 43% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 69.18%Peer median 64.4%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer 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 Margin3.40%3.09%3.22%3.62%Beats 68%13 / 40
Efficiency Ratio69.18%57.08%64.37%75.86%Beats 43%24 / 40
Asset Quality
Nonperforming Loans / Loans6.61%0.14%0.62%1.92%Beats 5%37 / 38
Net Charge-Offs / Loans1.68%0.00%0.01%0.09%Beats 3%38 / 38
Capital
Tier 1 Capital Ratio11.40%10.29%12.88%15.77%Beats 38%25 / 40
Total Risk-Based Capital Ratio12.67%10.64%13.30%17.01%Beats 48%21 / 40
Equity / Assets10.53%8.59%9.46%12.46%Beats 60%16 / 40
Liquidity & Funding
Loans / Deposits91.23%66.12%79.48%94.60%73rd pctl11 / 40
Loans / Assets80.77%54.69%68.52%77.46%83rd pctl7 / 40
Brokered Deposits / Depositsn/aNot reported for this institution