Bank Comparison
Midwest Heritage Bank, FSB vs Primary Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 9
winning metrics across 16 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Midwest Heritage Bank, FSB | Primary Bank |
|---|---|---|
| CET1 Ratio | 14.55% | 16.36% |
| Tier 1 Capital Ratio | 14.55% | 16.36% |
| Total Capital Ratio | 15.81% | 17.40% |
| Tier 1 Leverage Ratio | 12.82% | 16.32% |
| Equity / Assets | 12.10% | 15.78% |
Profitability
| Metric | Midwest Heritage Bank, FSB | Primary Bank |
|---|---|---|
| Return on Assets (ROA) | 2.43% | 2.21% |
| Return on Equity (ROE) | 19.48% | 13.82% |
| Net Interest Margin (NIM) | 4.05% | 4.11% |
| Yield on Earning Assets | 5.69% | 5.87% |
| Cost of Funds | 1.83% | 2.11% |
Asset quality
| Metric | Midwest Heritage Bank, FSB | Primary Bank |
|---|---|---|
| Texas Ratio | 10.79% | 10.43% |
| Non-Performing Loan Ratio | 1.74% | 1.48% |
| Non-Performing Asset Ratio | 1.20% | 1.73% |
| Net Charge-Off Ratio | 0.01% | 0.18% |
| ACL / Loans | 1.51% | 0.99% |
Balance sheet
| Metric | Midwest Heritage Bank, FSB | Primary Bank |
|---|---|---|
| Total Assets | $768.3M | $769.5M |
| Total Deposits | $649.6M | $644.2M |
| Total Loans | $529.9M | $671.4M |
| Total Equity | $92.9M | $121.4M |
| Net Income (quarter) | $4.0M | $4.1M |
Liquidity & funding
| Metric | Midwest Heritage Bank, FSB | Primary Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 81.57% | 104.22% |
| Core Deposit Ratio | 91.67% | 86.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Midwest Heritage Bank, FSB | Primary Bank |
|---|---|---|
| Headquarters City | West Des Moines | Bedford |
| Headquarters State | IA | NH |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 13 | 4 |
| Employees (FTE) | 164 | 60 |
| Established | April 1, 1930 | July 28, 2015 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Midwest Heritage Bank, FSB profile | View full Primary Bank profile | Browse all bank comparisons