Midwest Regional 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 Return on equity: 37.70 percentage points lower than in Q1 2026, at -31.58%. On return on assets, Midwest Regional Bank is 3rd from the bottom among 192 Missouri banks, -3.50% (Q2 2026). Midwest Regional Bank's return on assets of -3.50% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 4.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.40% |
| Tier 1 risk-based capital ratio | 11.40% |
| Total risk-based capital ratio | 12.67% |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 10.53% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.71% |
| Non-performing assets ratio | 5.47% |
| Net charge-off ratio | 5.85% |
| Texas ratio | 45.23% |
| Allowance for credit losses to loans | 2.54% |
| Reserve coverage of non-performing loans | 37.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.50% |
| Return on equity | -31.58% |
| Net interest margin | 3.56% |
| Efficiency ratio | 68.78% |
| Yield on earning assets | 6.55% |
| Cost of funds | 3.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.23% |
| Core deposits to total deposits | 86.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.53% |
| Securities to assets | 4.78% |
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 | 10.98% | 10.98% | 12.11% | 10.16% | 1.12% |
| Q4 2023 | 10.18% | 10.18% | 11.31% | 9.39% | 1.02% |
| Q1 2024 | 9.89% | 9.89% | 10.96% | 9.17% | 0.46% |
| Q2 2024 | 10.02% | 10.02% | 11.07% | 9.26% | 1.13% |
| Q3 2024 | 10.19% | 10.19% | 11.30% | 9.36% | 0.97% |
| Q4 2024 | 10.28% | 10.28% | 11.34% | 9.28% | 0.96% |
| Q1 2025 | 10.72% | 10.72% | 11.81% | 9.76% | 0.52% |
| Q2 2025 | 10.48% | 10.48% | 11.73% | 9.73% | 0.00% |
| Q3 2025 | 11.18% | 11.18% | 12.44% | 9.81% | 0.34% |
| Q4 2025 | 11.58% | 11.58% | 12.84% | 10.09% | -0.03% |
| Q1 2026 | 12.22% | 12.22% | 13.47% | 10.68% | 0.66% |
| Q2 2026 | 11.40% | 11.40% | 12.67% | 10.23% | -3.50% |
Midwest Regional Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest Regional 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 Regional Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8889) · FFIEC NIC profile (RSSD 691958)