Midwest Bankcentre: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midwest Bankcentre of Saint Louis, MO against its peer group of 941 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 | 1.37% | 1.34% | +0.03% | 56th above |
| ROAE | 10.97% | 12.34% | -1.37% | 39th below |
| Net Interest Margin | 3.94% | 3.83% | +0.11% | 64th above |
| Efficiency Ratio | 52.97% | 58.97% | -6.00% | 65th above |
| PPNR / Avg Assets | 1.99% | — | — | 67th above |
| Yield on Earning Assets | 5.87% | 5.71% | +0.16% | 69th above |
| Cost of Funds | 2.12% | 2.02% | +0.10% | 43rd below |
| Net Interest Spread | 3.70% | — | — | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.87% | +0.20% | 25th below |
| NPA / Total Assets | 0.87% | — | — | 25th below |
| NCO / Avg Loans | 0.44% | 0.43% | +0.01% | 10th bottom |
| ACL / Total Loans | 1.35% | — | — | 75th top |
| ACL / NPLs (Coverage) | 125.85% | — | — | 32nd below |
| Texas Ratio | 5.78% | 5.48% | +0.30% | 33rd below |
| Provision / NCO | 70.57% | — | — | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.54% | 14.99% | -1.45% | 50th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.54% | 15.02% | -1.48% | 50th above |
| Total Capital Ratio | 14.79% | — | — | 52nd above |
| Leverage Ratio | 12.15% | 11.11% | +1.04% | 77th top |
| Equity / Assets | 12.38% | 11.02% | +1.36% | 80th top |
| TCE / Tangible Assets | 11.86% | — | — | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.89% | 86.99% | +9.90% | 24th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.53% | 85.57% | +0.96% | 39th below |
| Uninsured Deposit Ratio | 26.11% | 33.19% | -7.08% | 68th above |
| Wholesale Funding Ratio | 3.76% | — | — | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.20% | — | — | 34th below |
| Loan Growth (Y/Y) | 1.66% | — | — | 25th below |
| Deposit Growth (Y/Y) | 1.47% | — | — | 25th below |
See Midwest Bankcentre's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midwest Bankcentre, 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 Bankcentre 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 Bankcentre peer analysis.