Midwest Heritage Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midwest Heritage Bank, FSB of West Des Moines, IA against its peer group of 2672 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 | 2.43% | 1.35% | +1.08% | 94th top |
| ROAE | 19.48% | 12.05% | +7.43% | 86th top |
| Net Interest Margin | 4.05% | 3.90% | +0.15% | 56th above |
| Efficiency Ratio | 55.69% | 63.15% | -7.46% | 67th above |
| PPNR / Avg Assets | 3.29% | 1.64% | +1.65% | 97th top |
| Yield on Earning Assets | 5.69% | 5.65% | +0.04% | 54th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.83% | 1.85% | -0.02% | 48th below |
| Net Interest Spread | 3.23% | 3.35% | -0.12% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.74% | 0.92% | +0.82% | 15th bottom |
| NPA / Total Assets | 1.20% | 0.67% | +0.53% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 1.51% | 1.28% | +0.23% | 79th top |
| ACL / NPLs (Coverage) | 86.87% | 1645.80% | -1558.93% | 23rd bottom |
| Texas Ratio | 10.79% | 7.15% | +3.64% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 483.87% | 1189.63% | -705.76% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.55% | 20.83% | -6.28% | 45th below |
| Tier 1 Ratio | 14.55% | 20.87% | -6.32% | 44th below |
| Total Capital Ratio | 15.81% | 21.94% | -6.13% | 46th below |
| Leverage Ratio | 12.82% | 12.46% | +0.36% | 73rd above |
| Equity / Assets | 12.10% | 11.67% | +0.43% | 72nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.40% | -0.88% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.57% | 78.64% | +2.93% | 48th below |
| Core Deposit Ratio | 91.67% | 87.09% | +4.58% | 65th above |
| Wholesale Funding Ratio | 1.97% | 5.11% | -3.14% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 56.32% | 6.46% | +49.86% | 99th top |
| Loan Growth (Y/Y) | 41.99% | 7.63% | +34.36% | 98th top |
| Deposit Growth (Y/Y) | 79.27% | 6.00% | +73.27% | 99th top |
See Midwest Heritage Bank, FSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midwest Heritage Bank, FSB, 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 Heritage Bank, FSB profile, how to read a UBPR, or how this data updates.