Midwest Independent Bankersbank: 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 Deposits to assets: 4.19 percentage points lower than in Q1 2026, at 75.99%. Midwest Independent Bankersbank ranks 117th of 192 Missouri banks on return on assets, in the lower half at 1.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Midwest Independent Bankersbank reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.43% |
| Tier 1 risk-based capital ratio | 16.43% |
| Total risk-based capital ratio | 17.68% |
| Tier 1 leverage ratio | 15.26% |
| Equity capital to assets | 14.92% |
| Tangible equity to tangible assets | 14.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.94% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 8.56% |
| Net interest margin | 3.97% |
| Efficiency ratio | 70.03% |
| Yield on earning assets | 5.64% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.90% |
| Core deposits to total deposits | 87.05% |
| Brokered deposits to total deposits | 12.95% |
| Deposits to assets | 75.99% |
| Securities to assets | 6.12% |
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 | 17.13% | 17.13% | 18.39% | 14.24% | 0.91% |
| Q4 2023 | 16.60% | 16.60% | 17.85% | 13.99% | 0.92% |
| Q1 2024 | 16.15% | 16.15% | 17.41% | 13.61% | 1.20% |
| Q2 2024 | 16.24% | 16.24% | 17.50% | 14.29% | 1.13% |
| Q3 2024 | 15.82% | 15.82% | 17.08% | 14.66% | 1.28% |
| Q4 2024 | 14.74% | 14.74% | 16.00% | 13.56% | 1.57% |
| Q1 2025 | 14.09% | 14.09% | 15.34% | 13.88% | 1.63% |
| Q2 2025 | 14.51% | 14.51% | 15.76% | 13.92% | 1.82% |
| Q3 2025 | 14.87% | 14.87% | 16.12% | 14.33% | 1.90% |
| Q4 2025 | 14.92% | 14.92% | 16.17% | 14.11% | 1.94% |
| Q1 2026 | 15.33% | 15.33% | 16.59% | 14.75% | 1.55% |
| Q2 2026 | 16.43% | 16.43% | 17.68% | 15.26% | 1.28% |
Midwest Independent Bankersbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Independent Bankersbank, 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 Independent Bankersbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25849) · FFIEC NIC profile (RSSD 977250)