Midwest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midwest Bank of Detroit Lakes, MN against its peer group of 2757 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 | 2.58% | 1.25% | +1.33% | 95th top |
| ROAE | 26.39% | 12.22% | +14.17% | 96th top |
| Net Interest Margin | 4.35% | 3.95% | +0.40% | 72nd above |
| Efficiency Ratio | 40.20% | 63.71% | -23.51% | 95th top |
| PPNR / Avg Assets | 2.79% | — | — | 94th top |
| Yield on Earning Assets | 6.72% | 5.67% | +1.05% | 92nd top |
| Cost of Funds | 2.55% | 1.87% | +0.68% | 13th bottom |
| Net Interest Spread | 3.65% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.88% | -0.83% | 80th top |
| NPA / Total Assets | 0.04% | — | — | 79th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 73rd above |
| ACL / Total Loans | 0.90% | — | — | 17th bottom |
| ACL / NPLs (Coverage) | 1973.28% | — | — | — |
| Texas Ratio | 0.40% | 5.96% | -5.56% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.84% | 11.75% | -1.91% | 27th below |
| Equity / Assets | 9.49% | 10.98% | -1.49% | 35th below |
| TCE / Tangible Assets | 9.47% | — | — | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.92% | 80.44% | +32.48% | 2nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.93% | 86.95% | +1.98% | 49th below |
| Wholesale Funding Ratio | 9.72% | — | — | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.29% | — | — | 93rd top |
| Loan Growth (Y/Y) | 19.74% | — | — | 92nd top |
| Deposit Growth (Y/Y) | 11.03% | — | — | 85th top |
See Midwest Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midwest Bank, 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 Midwest Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Midwest Bank peer analysis.