| Metric | Midwest Regional Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.5% | +4.9% | -20.4 pts |
| Deposit growth (YoY) | -14.5% | +4.3% | -18.9 pts |
| Loan growth (YoY) | -17.8% | +5.3% | -23.1 pts |
| ROA | -1.34% | 1.28% | -2.6 pts |
| ROE | -12.3% | 12.4% | -24.8 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $949.0M | $840.1M | $747.0M | $99.9M | $-6.7M | -1.34% | 3.52% | 5.39% |
| Q1 2026 | $989.8M | $859.7M | $786.5M | $111.9M | $1.7M | 0.67% | 3.45% | 5.07% |
| Q4 2025 | $1.05B | $909.0M | $837.9M | $111.7M | $2.3M | 0.21% | 3.50% | 4.58% |
| Q3 2025 | $1.09B | $949.7M | $879.1M | $111.5M | $2.4M | 0.29% | 3.44% | 4.17% |
| Q2 2025 | $1.12B | $982.9M | $908.5M | $110.1M | $1.5M | 0.26% | 3.26% | 3.89% |
| Q1 2025 | $1.10B | $975.2M | $885.1M | $110.2M | $1.5M | 0.53% | 3.05% | 4.45% |
| Q4 2024 | $1.10B | $979.9M | $895.1M | $103.3M | $9.5M | 0.89% | 3.12% | 1.76% |
| Q3 2024 | $1.10B | $972.4M | $884.4M | $103.3M | $6.9M | 0.86% | 3.12% | 0.67% |
Loan mix (Q2 2026): real estate $600.1M · commercial $151.0M · consumer $1.8M · securities $45.4M
| Ratio | Midwest Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.34% | 1.28% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -12.3% | 12.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 61.2% | 72th |
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 Regional 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 Regional 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 Regional 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 Regional 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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