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Midwest Independent BankersBank

$100M-$1B Specialty: Commercial MO FDIC cert 25849

Jefferson City, MO

2 branches across MO · NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -11.2% year over year ($259.4M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.38%.
  • Efficiency ratio 68.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Midwest Independent BankersBank has 5 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 10.4% in tier
  • + Credit Quality Leader: Top 38.5% in tier
  • + Non-Interest-Bearing Deposit Share 21.38% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.5% in tier
  • - Margin Compression: Bottom 20.8% in tier
  • - Liquidity Overhang: Bottom 37.3% in tier
  • - Capital Constraint: Bottom 42.1% in tier
  • - Flatlined Growth: Bottom 49.5% in tier
  • - Cost Spiral: Bottom 71.0% in tier
Get updates when Midwest Independent BankersBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $341.4M
-0.9% YoY +0.6% QoQ
-$45.1M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $238.9M
-3.5% YoY -5.8% QoQ
-$19.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $259.4M
-11.2% YoY -4.7% QoQ
-$67.3M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.38%
-19.8% YoY -8.4% QoQ
+0.06% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.98%
+8.4% YoY -0.9% QoQ
-0.01% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 68.24%
+12.2% YoY +2.6% QoQ
+3.76% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 92.07%
+8.7% YoY -1.1% QoQ
+14.12% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 43.41%
+9.3% YoY -1.2% QoQ
+21.38% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Top 3.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.43%
+13.2% YoY +7.1% QoQ
+0.52% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 1.12%
+0.9% YoY +98.5% QoQ
+0.55% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 2.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 43.4%
+3.7pp YoY
-0.5pp QoQ
 +21.3pp 22.1% 20.9% 22.2% 97%
Brokered Deposits 13.0%
-1.3pp YoY
+0.6pp QoQ
 +5.1pp 7.9% 7.4% 8.5% 82%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 2.2%
+0.8pp YoY
+0.4pp QoQ
 -9.4pp 11.6% 12.3% 12.5% 7%
CRE 40.9%
+3.1pp YoY
+2.3pp QoQ
 +1.4pp 39.5% 36.8% 41.4% 55%
1-4 Family 2.8%
0.0pp YoY
-1.7pp QoQ
 -29.9pp 32.6% 31.9% 31.3% 3%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.1% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 16.4%
+1.9pp YoY
+1.1pp QoQ
 -2.4pp 18.8% 18.5% 19.7% 60%
Leverage Ratio 15.3%
+1.3pp YoY
+0.5pp QoQ
 +3.1pp 12.2% 11.6% 12.6% 88%
Total Capital Ratio 17.7%
+1.9pp YoY
+1.1pp QoQ
 -2.3pp 19.9% 19.6% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 33
+2 (+6.5%) YoY
-1 (-2.9%) QoQ
 -26 58 162 482 31%
Assets per Employee ($) $10.3M
-6.9% YoY
+3.6% QoQ
 +$2.8M $7.5M $8.0M $8.8M 87%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 10.47x 20.23x n/a
Net Charge-off Rate (YTD) -0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 9.6%
-3.2pp YoY
-1.1pp QoQ
 -2.6pp 12.2% 14.3% 11.6% 34%
Cost of Funds (YTD) 1.6%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 46%
Net Income ($, YTD) $2.4M
-17.5% YoY
— QoQ
 -$157K $2.6M $11.3M $40.4M 60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#70 of 661 • Top 10.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.12%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.38%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Leader

growth
#255 of 659 • Top 38.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (6)

Liquidity Strain

risk
#25 of 691 • Bottom 3.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Margin Compression

decline
#65 of 307 • Bottom 20.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.38%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#278 of 742 • Bottom 37.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.43%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 92.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Capital Constraint

risk
#46 of 107 • Bottom 42.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 92.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 16.43%
(Tier: 15.91%, National: 17.09%)
better than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Flatlined Growth

risk
#263 of 529 • Bottom 49.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.38%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Cost Spiral

risk
#99 of 138 • Bottom 71.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 68.24%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
76
Non-Interest Income / Assets
revenue_mix
Value: 1.12%
Peer Median: 0.57%
#76 of 2643 Top 2.8% in $100M-$1B
84
Non-Interest-Bearing Deposit Share
funding
Value: 43.41%
Peer Median: 22.03%
#84 of 2643 Top 3.1% in $100M-$1B

Top Weaknesses (1 metrics)

2062
Loan-to-Deposit Ratio
liquidity
Value: 92.07%
Peer Median: 77.95%
#2062 of 2643 Bottom 22.0% in $100M-$1B
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