Midstates Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midstates Bank, N.A. of Council Bluffs, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 15.66% | 13.31% | +2.35% | 69th above |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 44th below |
| Efficiency Ratio | 53.08% | 61.14% | -8.06% | 74th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 55th above |
| Yield on Earning Assets | 5.11% | 5.67% | -0.56% | 27th below |
| Cost of Funds | 1.51% | 1.88% | -0.37% | 69th above |
| Net Interest Spread | 3.26% | 3.32% | -0.06% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.94% | -0.46% | 46th below |
| NPA / Total Assets | 0.31% | 0.70% | -0.39% | 50th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 88th top |
| ACL / Total Loans | 2.14% | 1.28% | +0.86% | 95th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 447.01% | 1539.43% | -1092.42% | 68th above |
| Texas Ratio | 2.74% | 7.33% | -4.59% | 55th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 315.00% | 1396.53% | -1081.53% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.50% | -2.71% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.54% | -2.75% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.05% | 20.62% | -2.57% | 63rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.60% | 12.14% | -0.54% | 60th above |
| Equity / Assets | 10.14% | 11.38% | -1.24% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.09% | 11.09% | -1.00% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.32% | 80.64% | -5.32% | 61st above |
| Core Deposit Ratio | 90.80% | 86.86% | +3.94% | 59th above |
| Wholesale Funding Ratio | 2.04% | 5.04% | -3.00% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.94% | 6.85% | -1.91% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.75% | 7.90% | -2.15% | 53rd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.03% | 6.29% | -0.26% | 64th above |
See Midstates Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midstates Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Midstates Bank, N.A. profile, how to read a UBPR, or how this data updates.