Midwest Independent Bankersbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midwest Independent Bankersbank of Jefferson City, MO 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 Behind the peer average, ahead of the median peer. | 1.28% | 1.34% | -0.06% | 51st above |
| ROAE | 8.56% | 13.32% | -4.76% | 28th below |
| Net Interest Margin | 3.97% | 3.93% | +0.04% | 52nd above |
| Efficiency Ratio | 70.03% | 61.14% | +8.89% | 28th below |
| PPNR / Avg Assets | 1.81% | 1.68% | +0.13% | 63rd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.64% | 5.67% | -0.03% | 52nd above |
| Cost of Funds | 1.93% | 1.88% | +0.05% | 41st below |
| Net Interest Spread | 2.42% | 3.32% | -0.90% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.07% | 0.16% | -0.23% | 96th top |
| ACL / Total Loans | 1.94% | 1.28% | +0.66% | 93rd top |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.43% | 19.50% | -3.07% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.43% | 19.54% | -3.11% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.68% | 20.62% | -2.94% | 61st above |
| Leverage Ratio | 15.26% | 12.14% | +3.12% | 88th top |
| Equity / Assets | 14.92% | 11.37% | +3.55% | 88th top |
| TCE / Tangible Assets | 14.92% | 11.09% | +3.83% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.90% | 80.63% | +13.27% | 21st bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.05% | 86.86% | +0.19% | 39th below |
| Wholesale Funding Ratio | 7.03% | 5.03% | +2.00% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.86% | 6.85% | -7.71% | 15th bottom |
| Loan Growth (Y/Y) | -3.39% | 7.91% | -11.30% | 11th bottom |
| Deposit Growth (Y/Y) | -11.25% | 6.29% | -17.54% | 1st bottom |
See Midwest Independent Bankersbank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midwest Independent Bankersbank, 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 Independent Bankersbank profile, how to read a UBPR, or how this data updates.