Midwest Bankcentre: 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: 13.12 percentage points higher than in Q1 2026, at 125.85%. Midwest Bankcentre ranks 102nd of 191 Missouri banks on return on assets, in the lower half at 1.37% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Midwest Bankcentre sits 0.10 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.54% |
| Tier 1 risk-based capital ratio | 13.54% |
| Total risk-based capital ratio | 14.79% |
| Tier 1 leverage ratio | 12.15% |
| Equity capital to assets | 12.38% |
| Tangible equity to tangible assets | 11.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.44% |
| Texas ratio | 5.78% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 125.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 10.97% |
| Net interest margin | 3.94% |
| Efficiency ratio | 52.97% |
| Yield on earning assets | 5.87% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.89% |
| Core deposits to total deposits | 86.53% |
| Brokered deposits to total deposits | 2.51% |
| Deposits to assets | 82.20% |
| Securities to assets | 10.94% |
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 | 11.15% | 11.15% | 12.28% | 10.20% | 0.92% |
| Q4 2023 | 11.39% | 11.39% | 12.58% | 10.22% | 0.82% |
| Q1 2024 | 11.59% | 11.59% | 12.84% | 10.45% | 1.18% |
| Q2 2024 | 11.82% | 11.82% | 13.07% | 10.50% | 0.97% |
| Q3 2024 | 12.41% | 12.41% | 13.66% | 10.91% | 1.16% |
| Q4 2024 | 12.13% | 12.13% | 13.38% | 11.17% | 0.87% |
| Q1 2025 | 12.42% | 12.42% | 13.67% | 11.04% | 1.14% |
| Q2 2025 | 12.39% | 12.39% | 13.64% | 11.21% | 1.13% |
| Q3 2025 | 12.72% | 12.72% | 13.97% | 11.13% | 1.24% |
| Q4 2025 | 13.30% | 13.30% | 14.52% | 11.74% | 0.87% |
| Q1 2026 | 13.65% | 13.65% | 14.90% | 11.91% | 1.32% |
| Q2 2026 | 13.54% | 13.54% | 14.79% | 12.15% | 1.37% |
Midwest Bankcentre vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Bankcentre, 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 Bankcentre profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1058) · FFIEC NIC profile (RSSD 657459)