Midwest Regional Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midwest Regional Bank of Clayton, 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 | -3.50% | 1.35% | -4.85% | 1st bottom |
| ROAE | -31.58% | 13.35% | -44.93% | 1st bottom |
| Net Interest Margin | 3.56% | 3.93% | -0.37% | 30th below |
| Efficiency Ratio | 68.78% | 61.13% | +7.65% | 31st below |
| PPNR / Avg Assets | 1.30% | 1.68% | -0.38% | 33rd below |
| Yield on Earning Assets | 6.55% | 5.67% | +0.88% | 88th top |
| Cost of Funds | 3.19% | 1.88% | +1.31% | 3rd bottom |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.71% | 0.94% | +5.77% | 1st bottom |
| NPA / Total Assets | 5.47% | 0.69% | +4.78% | 1st bottom |
| NCO / Avg Loans | 5.85% | 0.15% | +5.70% | 0th bottom |
| ACL / Total Loans | 2.54% | 1.28% | +1.26% | 97th top |
| ACL / NPLs (Coverage) | 37.80% | 1540.18% | -1502.38% | 6th bottom |
| Texas Ratio | 45.23% | 7.30% | +37.93% | 1st bottom |
| Provision / NCO | 120.75% | 1397.27% | -1276.52% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.40% | 19.51% | -8.11% | 12th bottom |
| Tier 1 Ratio | 11.40% | 19.55% | -8.15% | 11th bottom |
| Total Capital Ratio | 12.67% | 20.63% | -7.96% | 13th bottom |
| Leverage Ratio | 10.23% | 12.14% | -1.91% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.53% | 11.38% | -0.85% | 53rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.10% | 11.09% | -0.99% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.23% | 80.63% | +10.60% | 26th below |
| Core Deposit Ratio | 86.64% | 86.86% | -0.22% | 37th below |
| Uninsured Deposit Ratio | 26.75% | 20.48% | +6.27% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -15.50% | 6.87% | -22.37% | 1st bottom |
| Loan Growth (Y/Y) | -16.77% | 7.92% | -24.69% | 1st bottom |
| Deposit Growth (Y/Y) | -14.52% | 6.31% | -20.83% | 1st bottom |
See Midwest Regional Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midwest Regional 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 Regional Bank profile, how to read a UBPR, or how this data updates.