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Midwest Regional Bank

Clayton, MO · Cert 8889 · Midwest Regional Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$949.0MAssets
$766.5MLoans
$840.1MDeposits
$99.9MEquity
Loan mix
79%RE $627.8M21%C&I $164.0M0%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $764.3M9%Noninterest $75.8MQ2 2025Q2 2026

NIM

6.56%Q2 ’246.37%Q2 ’256.39%Q2 ’26+10%+14%

Non-interest income vs. expense

2.49%Q2 ’242.84%Q2 ’252.90%Q2 ’26+43%-2%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.5% share · #34 of 111 inst. · $0.8B of $141.7B

9.9% Jefferson
0.8% St. Louis
14.0% Cooper

Executive Summary

  • Earnings: ROA of -1.34%, down 160 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 6.61% of loans (+195 bps YoY), with net charge-offs at 3.20%.
  • Capital: tier 1 leverage ratio of 10.23%, up 51 bps from a year ago.
  • Funding: loans stand at 91.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.34%-160 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+40 bps YoY

Efficiency Ratio (YTD, annualized)

69.18%-772 bps YoY

Tier 1 Leverage Ratio

10.23%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.29%0.21%0.67%-1.34%-160 bps
Return on Equity2.72%2.95%2.13%6.11%-12.34%-1,506 bps
Net Interest Margin2.99%3.14%3.26%3.17%3.40%+40 bps
Efficiency Ratio76.90%70.30%70.86%69.36%69.18%-772 bps
Non-Interest Burden2.13%1.98%2.07%1.96%2.10%-4 bps
Growth
Asset Growth (YoY)4.47%-0.49%-4.89%-10.38%-15.50%-1,998 bps
Loan Growth (YoY)5.18%-0.10%-5.55%-10.27%-16.77%-2,195 bps
Deposit Growth (YoY)3.40%-2.33%-7.24%-11.85%-14.52%-1,792 bps
Asset Quality
Nonperforming Loans / Loans4.66%5.01%5.62%6.17%6.61%+195 bps
Net Charge-Offs / Loans0.11%0.25%0.37%0.34%3.20%+308 bps
Allowance / Loans1.34%1.68%1.98%2.14%2.54%+120 bps
Allowance Coverage of NPLs0.3x0.3x0.4x0.3x0.4x+0.1x
Capital
Tier 1 Leverage Ratio9.73%9.81%10.09%10.68%10.23%+51 bps
Total Risk-Based Capital11.73%12.44%12.84%13.47%12.67%+93 bps
Equity / Assets9.80%10.22%10.64%11.30%10.53%+73 bps
Liquidity & Funding
Loans / Deposits93.69%94.14%94.04%93.48%91.23%-246 bps
Liquid Assets / Assets4.07%4.19%4.06%6.90%6.70%+262 bps
CRE / Total Capitaln/a582%560%528%n/an/a