| Metric | Midwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +4.9% | +12.4 pts |
| Deposit growth (YoY) | +11.0% | +4.3% | +6.7 pts |
| Loan growth (YoY) | +19.6% | +5.3% | +14.3 pts |
| ROA | 2.52% | 1.28% | +1.2 pts |
| ROE | 25.6% | 12.4% | +13.2 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $984.5M | $788.5M | $882.3M | $93.4M | $11.7M | 2.52% | 4.26% | 0.04% |
| Q1 2026 | $915.5M | $762.7M | $817.1M | $92.5M | $5.6M | 2.47% | 4.18% | 0.04% |
| Q4 2025 | $892.8M | $752.5M | $792.2M | $88.7M | $18.2M | 2.17% | 4.19% | 0.02% |
| Q3 2025 | $846.7M | $723.9M | $753.9M | $86.2M | $13.3M | 2.15% | 4.13% | 0.02% |
| Q2 2025 | $839.4M | $710.1M | $737.4M | $83.1M | $8.3M | 2.04% | 3.99% | 0.02% |
| Q1 2025 | $801.4M | $692.4M | $699.0M | $83.6M | $4.1M | 2.02% | 3.88% | 0.01% |
| Q4 2024 | $812.6M | $705.7M | $675.9M | $80.4M | $17.7M | 2.31% | 3.97% | 0.01% |
| Q3 2024 | $787.2M | $669.3M | $668.9M | $79.2M | $13.3M | 2.34% | 3.97% | 0.00% |
Loan mix (Q2 2026): real estate $602.7M · commercial $174.7M · consumer $12.2M · securities $54.0M
| Ratio | Midwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.52% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 25.6% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.1% | 61.2% | 5th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Midwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Midwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Midwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Midwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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