Midstates Bank, N.A.: 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.
Reserve coverage of non-performing loans dropped 174.60 percentage points in Q2 2026, from 621.61% to 447.01%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Midstates Bank, N.A. is 82nd of 225 on return on assets, 1.57% as of Q2 2026, above the middle of the field. Midstates Bank, N.A. reported 1.57% on return on assets for Q2 2026, 0.31 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 18.05% |
| Tier 1 leverage ratio | 11.60% |
| Equity capital to assets | 10.14% |
| Tangible equity to tangible assets | 10.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.74% |
| Allowance for credit losses to loans | 2.14% |
| Reserve coverage of non-performing loans | 447.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 15.66% |
| Net interest margin | 3.83% |
| Efficiency ratio | 53.08% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.32% |
| Core deposits to total deposits | 90.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.20% |
| Securities to assets | 30.64% |
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 | 14.38% | 14.38% | 15.64% | 9.53% | 0.69% |
| Q4 2023 | 14.38% | 14.38% | 15.63% | 9.69% | 0.90% |
| Q1 2024 | 14.63% | 14.63% | 15.89% | 9.65% | 0.69% |
| Q2 2024 | 15.14% | 15.14% | 16.40% | 10.07% | 0.64% |
| Q3 2024 | 15.31% | 15.31% | 16.57% | 10.33% | 0.85% |
| Q4 2024 | 15.56% | 15.56% | 16.82% | 10.34% | 0.73% |
| Q1 2025 | 15.90% | 15.90% | 17.16% | 10.65% | 1.01% |
| Q2 2025 | 16.30% | 16.30% | 17.56% | 10.88% | 0.98% |
| Q3 2025 | 16.44% | 16.44% | 17.70% | 11.44% | 1.18% |
| Q4 2025 | 16.56% | 16.56% | 17.82% | 11.64% | 1.53% |
| Q1 2026 | 16.57% | 16.57% | 17.83% | 11.80% | 1.35% |
| Q2 2026 | 16.79% | 16.79% | 18.05% | 11.60% | 1.57% |
Midstates Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midstates Bank, N.A., 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 Midstates Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4465) · FFIEC NIC profile (RSSD 728948)