First Midwest Bank of the Ozarks: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 76.69 percentage points lower than in Q1 2026, at 162.43%. First Midwest Bank of the Ozarks ranks 49th of 192 Missouri banks on return on assets, in the upper half at 1.92% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First Midwest Bank of the Ozarks reported 1.92% on return on assets in Q2 2026, 0.66 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.74% |
| Tangible equity to tangible assets | 10.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 7.50% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 162.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 18.18% |
| Net interest margin | 4.44% |
| Efficiency ratio | 58.35% |
| Yield on earning assets | 6.60% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.09% |
| Core deposits to total deposits | 89.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.19% |
| Securities to assets | 6.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.83% | 12.83% | 14.09% | 10.41% | 1.70% |
| Q4 2023 | 12.90% | 12.90% | 14.15% | 10.37% | 1.37% |
| Q1 2024 | — | — | — | 10.57% | 1.75% |
| Q2 2024 | — | — | — | 10.69% | 1.60% |
| Q3 2024 | — | — | — | 10.98% | 1.65% |
| Q4 2024 | — | — | — | 10.93% | 1.65% |
| Q1 2025 | — | — | — | 10.97% | 1.53% |
| Q2 2025 | — | — | — | 10.71% | 1.69% |
| Q3 2025 | — | — | — | 10.64% | 1.99% |
| Q4 2025 | — | — | — | 10.58% | 1.77% |
| Q1 2026 | — | — | — | 10.79% | 1.70% |
| Q2 2026 | — | — | — | 10.85% | 1.92% |
First Midwest Bank of the Ozarks vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Midwest Bank of the Ozarks, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Midwest Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19212) · FFIEC NIC profile (RSSD 228158)