Midwest National Bank: 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: 33.23 percentage points lower than in Q1 2026, at 108.84%. On return on assets, Midwest National Bank is 16th from the bottom among 323 Illinois banks, -0.03% (Q2 2026). Midwest National Bank's return on assets of -0.03% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.27 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.38% |
| Tier 1 risk-based capital ratio | 11.38% |
| Total risk-based capital ratio | 12.63% |
| Tier 1 leverage ratio | 8.06% |
| Equity capital to assets | 7.11% |
| Tangible equity to tangible assets | 7.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.81% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 20.15% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 108.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.03% |
| Return on equity | -0.37% |
| Net interest margin | 3.63% |
| Efficiency ratio | 99.20% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.14% |
| Core deposits to total deposits | 62.90% |
| Brokered deposits to total deposits | 19.33% |
| Deposits to assets | 88.50% |
| Securities to assets | 8.87% |
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 | 14.25% | 14.25% | 15.50% | 9.45% | 0.95% |
| Q4 2023 | 14.76% | 14.76% | 16.01% | 9.86% | 1.13% |
| Q1 2024 | 14.22% | 14.22% | 15.47% | 9.42% | 0.78% |
| Q2 2024 | 13.37% | 13.37% | 14.62% | 9.43% | 0.81% |
| Q3 2024 | 12.70% | 12.70% | 13.95% | 9.16% | 0.31% |
| Q4 2024 | 11.78% | 11.78% | 13.03% | 8.67% | -0.58% |
| Q1 2025 | 11.24% | 11.24% | 12.43% | 8.21% | 0.18% |
| Q2 2025 | 10.80% | 10.80% | 12.05% | 7.89% | 0.15% |
| Q3 2025 | 10.94% | 10.94% | 12.19% | 7.93% | 0.75% |
| Q4 2025 | 11.01% | 11.01% | 12.26% | 7.88% | -0.01% |
| Q1 2026 | 11.49% | 11.49% | 12.74% | 8.09% | 0.09% |
| Q2 2026 | 11.38% | 11.38% | 12.63% | 8.06% | -0.03% |
Midwest National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3834) · FFIEC NIC profile (RSSD 122546)