| Metric | Midwest BankCentre | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.5% | -2.3 pts |
| Deposit growth (YoY) | +1.5% | +5.1% | -3.6 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.2 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 10.8% | 12.2% | -1.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.07B | $2.52B | $2.41B | $380.0M | $20.3M | 1.34% | 3.91% | 0.87% |
| Q1 2026 | $3.03B | $2.52B | $2.37B | $374.2M | $10.0M | 1.32% | 3.84% | 1.00% |
| Q4 2025 | $2.98B | $2.46B | $2.38B | $369.1M | $32.2M | 1.10% | 3.65% | 1.01% |
| Q3 2025 | $2.98B | $2.49B | $2.39B | $346.6M | $25.6M | 1.17% | 3.59% | 0.54% |
| Q2 2025 | $2.97B | $2.49B | $2.37B | $337.2M | $16.3M | 1.13% | 3.50% | 0.53% |
| Q1 2025 | $2.87B | $2.39B | $2.27B | $324.6M | $8.1M | 1.14% | 3.48% | 0.34% |
| Q4 2024 | $2.82B | $2.35B | $2.24B | $317.5M | $28.9M | 1.04% | 3.42% | 0.22% |
| Q3 2024 | $2.75B | $2.29B | $2.14B | $316.8M | $22.9M | 1.11% | 3.41% | 0.21% |
Loan mix (Q2 2026): real estate $1.83B · commercial $539.4M · consumer $78.8M · securities $335.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Midwest BankCentre | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 59.0% | 28th |
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 BankCentre | 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 BankCentre | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Midwest BankCentre | 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 BankCentre | 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 BankCentre | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
18 branches in 4 counties across 1 state (+0 vs 2024) · $2.49B branch deposits. Biggest market: St. Louis, MO, ranked 9th with 3.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 9 | $1.73B | 3.42% | 9th |
| Jefferson, MO | 4 | $390.5M | 8.29% | 6th |
| St. Louis (City), MO | 4 | $247.4M | 0.48% | 12th |
| 1 more county with Pro → | ||||
Missouri: 19th with 0.87% · St. Louis metro: 14th, 1.69% ·
Branch count: 2022 17 · 2023 17 · 2024 18 · 2025 18