United Midwest Savings Bank, N.A.: 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.
Return on assets dropped 2.67 percentage points in Q2 2026, from 2.21% to -0.47%. It was the largest change from Q1 2026 among the key lines here. On return on assets, United Midwest Savings Bank, N.A. is 4th from the bottom among 156 Ohio banks, -0.47% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, United Midwest Savings Bank, N.A. reported -0.47% on return on assets in Q2 2026, 1.72 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.41% |
| Tier 1 risk-based capital ratio | 18.41% |
| Total risk-based capital ratio | 19.68% |
| Tier 1 leverage ratio | 12.93% |
| Equity capital to assets | 13.59% |
| Tangible equity to tangible assets | 12.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.80% |
| Net charge-off ratio | 2.81% |
| Texas ratio | 5.57% |
| Allowance for credit losses to loans | 2.31% |
| Reserve coverage of non-performing loans | 208.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.47% |
| Return on equity | -3.42% |
| Net interest margin | 4.35% |
| Efficiency ratio | 88.52% |
| Yield on earning assets | 7.46% |
| Cost of funds | 3.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.19% |
| Core deposits to total deposits | 82.89% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.30% |
| Securities to assets | 0.53% |
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 | 18.44% | 18.44% | 19.70% | 12.06% | 2.64% |
| Q4 2023 | 19.50% | 19.50% | 20.76% | 12.43% | 2.43% |
| Q1 2024 | 19.46% | 19.46% | 20.72% | 12.62% | 1.71% |
| Q2 2024 | 19.44% | 19.44% | 20.71% | 12.44% | 0.73% |
| Q3 2024 | 19.92% | 19.92% | 21.19% | 12.82% | 1.85% |
| Q4 2024 | 19.55% | 19.55% | 20.82% | 12.97% | 0.82% |
| Q1 2025 | 19.44% | 19.44% | 20.71% | 13.59% | 2.15% |
| Q2 2025 | 20.12% | 20.12% | 21.39% | 13.58% | 0.63% |
| Q3 2025 | 19.35% | 19.35% | 20.61% | 13.11% | 1.13% |
| Q4 2025 | 19.17% | 19.17% | 20.44% | 13.01% | 0.05% |
| Q1 2026 | 18.98% | 18.98% | 20.25% | 13.28% | 2.21% |
| Q2 2026 | 18.41% | 18.41% | 19.68% | 12.93% | -0.47% |
United Midwest Savings Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Midwest Savings Bank, N.A., 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 United Midwest Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32441) · FFIEC NIC profile (RSSD 809276)