Midwest Independent BankersBank
Total assets
$341.4M
▼ -0.9% YoY
Deposits
$259.4M
▼ -11.2% YoY
Loans
$238.9M
▼ -3.5% YoY
Offices
2
MIDWEST IND BANCSHARES INC
ROA (annualized)
1.38%
peers 1.24%
ROE (annualized)
9.63%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.2 pts |
| Deposit growth (YoY) | -11.3% | +4.0% | -15.2 pts |
| Loan growth (YoY) | -3.5% | +5.6% | -9.1 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 9.6% | 11.9% | -2.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 1985
- Charter
- State
- Primary regulator
- FED
- Holding company
- MIDWEST IND BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 910 Weathered Rock Rd, Jefferson City, MO, 65101
- County
- Cole
- Metro area
- Jefferson City, MO
- Offices
- 2
- FDIC cert #
- 25849
- RSSD ID
- 977250
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341.4M | $259.4M | $238.9M | $50.9M | $2.4M | 1.38% | 3.98% | 0.00% |
| Q1 2026 | $339.5M | $272.2M | $253.5M | $49.9M | $1.3M | 1.51% | 4.01% | 0.00% |
| Q4 2025 | $359.2M | $267.3M | $253.7M | $48.6M | $6.2M | 1.81% | 3.79% | 0.00% |
| Q3 2025 | $345.4M | $268.8M | $251.8M | $48.9M | $4.5M | 1.78% | 3.76% | 0.00% |
| Q2 2025 | $344.4M | $292.3M | $247.6M | $47.1M | $2.9M | 1.73% | 3.67% | 0.00% |
| Q1 2025 | $334.0M | $245.0M | $245.5M | $45.5M | $1.4M | 1.62% | 3.60% | 0.00% |
| Q4 2024 | $332.7M | $226.8M | $224.4M | $43.9M | $4.2M | 1.30% | 3.41% | 0.00% |
| Q3 2024 | $317.0M | $214.2M | $214.1M | $45.1M | $2.9M | 1.20% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $108.9M · commercial $5.2M · consumer $958K · securities $20.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 62.9% | 64th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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