Midwest Bank: 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: 164.28 percentage points higher than in Q1 2026, at 611.40%. Midwest Bank ranks 201st of 323 Illinois banks on return on assets, in the lower half at 1.01% (Q2 2026). Midwest Bank reported 1.01% on return on assets for Q2 2026, 0.24 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.20% |
| Tier 1 risk-based capital ratio | 14.20% |
| Total risk-based capital ratio | 15.43% |
| Tier 1 leverage ratio | 8.80% |
| Equity capital to assets | 8.30% |
| Tangible equity to tangible assets | 6.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.63% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 611.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 12.25% |
| Net interest margin | 3.36% |
| Efficiency ratio | 56.55% |
| Yield on earning assets | 4.97% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.78% |
| Core deposits to total deposits | 85.33% |
| Brokered deposits to total deposits | 6.61% |
| Deposits to assets | 78.50% |
| Securities to assets | 28.65% |
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 | 15.00% | 15.00% | 16.08% | 8.86% | 0.63% |
| Q4 2023 | 14.91% | 14.91% | 15.98% | 9.13% | 0.42% |
| Q1 2024 | 14.79% | 14.79% | 15.88% | 9.27% | 0.66% |
| Q2 2024 | 14.59% | 14.59% | 15.67% | 9.27% | 0.59% |
| Q3 2024 | 15.17% | 15.17% | 16.33% | 9.26% | 0.56% |
| Q4 2024 | 14.82% | 14.82% | 15.92% | 9.37% | 0.57% |
| Q1 2025 | 13.28% | 13.28% | 14.39% | 8.49% | 0.65% |
| Q2 2025 | 13.41% | 13.41% | 14.54% | 8.56% | 0.79% |
| Q3 2025 | 13.77% | 13.77% | 14.93% | 8.49% | 0.91% |
| Q4 2025 | 13.60% | 13.60% | 14.75% | 8.60% | 0.72% |
| Q1 2026 | 14.16% | 14.16% | 15.37% | 8.76% | 0.98% |
| Q2 2026 | 14.20% | 14.20% | 15.43% | 8.80% | 1.01% |
Midwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Bank, 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3711) · FFIEC NIC profile (RSSD 709143)