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 Loan-to-deposit ratio: 4.79 percentage points higher than in Q1 2026, at 112.92%. On return on assets, Midwest Bank ranks 11th highest among the 221 banks headquartered in Minnesota, at 2.58% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Midwest Bank reported 2.58% on return on assets in Q2 2026, 1.32 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 | 9.84% |
| Equity capital to assets | 9.49% |
| Tangible equity to tangible assets | 9.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.40% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 1973.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.58% |
| Return on equity | 26.39% |
| Net interest margin | 4.35% |
| Efficiency ratio | 40.20% |
| Yield on earning assets | 6.72% |
| Cost of funds | 2.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.92% |
| Core deposits to total deposits | 88.93% |
| Brokered deposits to total deposits | 3.17% |
| Deposits to assets | 80.09% |
| Securities to assets | 5.48% |
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 | 12.18% | 12.18% | 13.05% | 10.29% | 2.52% |
| Q4 2023 | 11.87% | 11.87% | 12.71% | 10.15% | 2.31% |
| Q1 2024 | 12.24% | 12.24% | 13.09% | 10.35% | 2.34% |
| Q2 2024 | 11.61% | 11.61% | 12.43% | 10.19% | 2.21% |
| Q3 2024 | 11.66% | 11.66% | 12.49% | 10.23% | 2.47% |
| Q4 2024 | 11.96% | 11.96% | 12.82% | 10.32% | 2.26% |
| Q1 2025 | 11.82% | 11.82% | 12.65% | 10.57% | 2.04% |
| Q2 2025 | 11.07% | 11.07% | 11.89% | 10.26% | 2.10% |
| Q3 2025 | 11.19% | 11.19% | 12.03% | 10.35% | 2.39% |
| Q4 2025 | — | — | — | 10.25% | 2.25% |
| Q1 2026 | — | — | — | 10.36% | 2.50% |
| Q2 2026 | — | — | — | 9.84% | 2.58% |
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 9737) · FFIEC NIC profile (RSSD 806958)