| Metric | Midwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.9% | +1.1 pts |
| Deposit growth (YoY) | +4.9% | +4.3% | +0.6 pts |
| Loan growth (YoY) | +5.6% | +5.3% | +0.2 pts |
| ROA | 1.02% | 1.28% | -0.3 pts |
| ROE | 12.1% | 12.4% | -0.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $736.4M | $578.1M | $432.7M | $61.1M | $3.6M | 1.02% | 3.38% | 0.19% |
| Q1 2026 | $702.8M | $538.6M | $432.8M | $60.4M | $1.8M | 1.01% | 3.34% | 0.17% |
| Q4 2025 | $703.4M | $535.2M | $422.0M | $59.1M | $5.4M | 0.79% | 3.10% | 0.13% |
| Q3 2025 | $697.5M | $549.1M | $414.3M | $56.9M | $4.1M | 0.81% | 3.04% | 0.15% |
| Q2 2025 | $694.7M | $550.9M | $409.8M | $51.1M | $2.5M | 0.74% | 2.96% | 0.11% |
| Q1 2025 | $673.7M | $552.3M | $404.5M | $50.8M | $1.1M | 0.67% | 2.91% | 0.15% |
| Q4 2024 | $677.0M | $539.1M | $399.7M | $54.1M | $4.1M | 0.61% | 2.78% | 0.15% |
| Q3 2024 | $681.7M | $533.6M | $383.9M | $58.9M | $3.1M | 0.62% | 2.75% | 0.17% |
Loan mix (Q2 2026): real estate $307.4M · commercial $49.4M · consumer $12.5M · securities $210.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Midwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.28% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 61.2% | 43th |
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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