Midwest National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midwest National Bank of Sandoval, IL 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 | -0.03% | 1.34% | -1.37% | 4th bottom |
| ROAE | -0.37% | 13.32% | -13.69% | 4th bottom |
| Net Interest Margin | 3.63% | 3.93% | -0.30% | 33rd below |
| Efficiency Ratio | 99.20% | 61.13% | +38.07% | 3rd bottom |
| PPNR / Avg Assets | -0.01% | 1.68% | -1.69% | 3rd bottom |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 84th top |
| Cost of Funds | 2.97% | 1.88% | +1.09% | 6th bottom |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 0.94% | +0.09% | 27th below |
| NPA / Total Assets | 0.81% | 0.70% | +0.11% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 23rd bottom |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) | 108.84% | 1538.86% | -1430.02% | 30th below |
| Texas Ratio | 20.15% | 7.33% | +12.82% | 8th bottom |
| Provision / NCO | 136.84% | 1395.72% | -1258.88% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.38% | 19.50% | -8.12% | 11th bottom |
| Tier 1 Ratio | 11.38% | 19.54% | -8.16% | 11th bottom |
| Total Capital Ratio | 12.63% | 20.62% | -7.99% | 13th bottom |
| Leverage Ratio | 8.06% | 12.14% | -4.08% | 3rd bottom |
| Equity / Assets | 7.11% | 11.37% | -4.26% | 7th bottom |
| TCE / Tangible Assets | 7.11% | 11.09% | -3.98% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.14% | 80.64% | +8.50% | 30th below |
| Core Deposit Ratio | 62.90% | 86.86% | -23.96% | 2nd bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.12% | 5.03% | -0.91% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.25% | 6.85% | -1.60% | 57th above |
| Loan Growth (Y/Y) | 3.01% | 7.90% | -4.89% | 37th below |
| Deposit Growth (Y/Y) | 7.69% | 6.29% | +1.40% | 74th above |
See Midwest National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midwest National Bank, 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 National Bank profile, how to read a UBPR, or how this data updates.