| Metric | Midwest National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.7 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 0.03% | 1.24% | -1.2 pts |
| ROE | 0.4% | 11.9% | -11.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.6M | $108.5M | $95.6M | $8.7M | $18K | 0.03% | 3.74% | 1.51% |
| Q1 2026 | $120.6M | $108.5M | $92.6M | $8.7M | $26K | 0.09% | 3.75% | 0.56% |
| Q4 2025 | $121.0M | $108.4M | $93.3M | $8.4M | $309K | 0.27% | 3.84% | 0.71% |
| Q3 2025 | $119.1M | $104.7M | $94.2M | $8.3M | $313K | 0.37% | 3.83% | 0.68% |
| Q2 2025 | $116.5M | $100.8M | $92.9M | $7.7M | $92K | 0.16% | 3.74% | 1.35% |
| Q1 2025 | $111.5M | $95.8M | $86.5M | $7.7M | $49K | 0.18% | 3.60% | 1.03% |
| Q4 2024 | $106.9M | $90.3M | $83.4M | $7.7M | $309K | 0.31% | 3.69% | 1.09% |
| Q3 2024 | $103.2M | $86.1M | $77.0M | $8.2M | $462K | 0.63% | 3.73% | 1.24% |
Loan mix (Q2 2026): real estate $78.7M · commercial $7.0M · consumer $8.2M · securities $10.9M
| Ratio | Midwest National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.2% | 62.9% | 97th |
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 National 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 National Bank | 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 National 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 National 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 National Bank | 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.
2 branches in 2 counties across 1 state (+0 vs 2025) · $108.5M branch deposits. Biggest market: Marion, IL, ranked 4th with 8.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Marion, IL | 1 | $95.0M | 8.34% | 4th |
| Clinton, IL | 1 | $13.5M | 0.78% | 13th |
Illinois: 348th with 0.01% · St. Louis metro: 136th, 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2
Technology spend in line with peers (14 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).