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Midwest Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 3711

Monmouth, IL

8 branches across IL

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 211 in IL.
  • Deposits +4.9% year over year ($578.1M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 1.02%.
  • Efficiency ratio 58.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.84% 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 211 in IL
View $100M-$1B leaderboard (IL) →

Midwest Bank has 2 strengths but faces 4 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

  • + Efficiency Ratio 5.52% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 22.9% in tier
  • - Credit Quality Pressure: Bottom 26.2% in tier
  • - ROA 0.30% below tier average
  • - Net Interest Margin 0.60% below tier average
Get updates when Midwest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $736.4M
+6.0% YoY +4.8% QoQ
+$349.8M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 10.7% in tier
Total Loans ? $432.7M
+5.6% YoY -0.0% QoQ
+$174.3M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $578.1M
+4.9% YoY +7.3% QoQ
+$251.4M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 13.7% in tier
Return on Assets ? 1.02%
+38.3% YoY +0.7% QoQ
-0.30% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.38%
+14.4% YoY +1.3% QoQ
-0.60% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 58.96%
-9.6% YoY -1.8% QoQ
-5.52% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.32%
+65.4% YoY +14.1% QoQ
-0.60% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 74.84%
+0.6% YoY -6.9% QoQ
-3.11% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 11.04%
+22.8% YoY +11.2% QoQ
-10.99% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 12.8% in tier
Nonperforming Asset Ratio ? 0.19%
+64.8% YoY +8.9% QoQ
-0.48% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 14.20%
+5.8% YoY +0.3% QoQ
-1.71% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.25%
+10.2% YoY +74.7% QoQ
-0.31% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
64%

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 (IL) National Avg Tier Percentile
Noninterest-Bearing 11.0%
+2.1pp YoY
+1.1pp QoQ
 -11.1pp 22.1% 20.1% 22.2% 12%
Brokered Deposits 6.6%
-2.9pp YoY
-0.4pp QoQ
 -1.2pp 7.9% 8.0% 8.5% 62%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 11.4%
-0.2pp YoY
-0.8pp QoQ
 -0.1pp 11.6% 14.7% 12.5% 61%
CRE 30.4%
-1.6pp YoY
+0.7pp QoQ
 -9.2pp 39.5% 37.9% 41.4% 35%
1-4 Family 20.0%
+2.6pp YoY
+0.7pp QoQ
 -12.6pp 32.6% 28.3% 31.3% 30%
Consumer 2.9%
-0.6pp YoY
0.0pp QoQ
 -1.2pp 4.1% 5.4% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.2%
+0.8pp YoY
0.0pp QoQ
 -4.6pp 18.8% 19.9% 19.7% 41%
Leverage Ratio 8.8%
+0.2pp YoY
0.0pp QoQ
 -3.4pp 12.2% 12.2% 12.6% 9%
Total Capital Ratio 15.4%
+0.9pp YoY
+0.1pp QoQ
 -4.5pp 19.9% 20.9% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 88
-3 (-3.3%) YoY
-1 (-1.1%) QoQ
 +29 58 228 482 82%
Assets per Employee ($) $8.4M
+9.6% YoY
+6.0% QoQ
 +$850K $7.5M $8.3M $8.8M 72%
Branch Count 8
0 YoY
0 QoQ
 +3 4 10 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 56%
Nonaccrual 0.2%
0.0pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 1.1% 1.0% 29%
Allowance Coverage 3.91x
-36.2% YoY
-8.8% QoQ
 -20.24x 24.15x 5.62x 20.23x 64%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 12.1%
+2.4pp YoY
+0.2pp QoQ
 -0.1pp 12.2% 10.5% 11.6% 50%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 49%
Net Income ($, YTD) $3.6M
+44.8% YoY
— QoQ
 +$1.1M $2.6M $11.7M $40.4M 77%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#215 of 936 • Bottom 22.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#330 of 1256 • Bottom 26.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.32%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (3 metrics)

285
Total Assets
size
Value: $736.41M
Peer Median: $386.57M
#285 of 2643 Top 10.7% in $100M-$1B
362
Total Deposits
size
Value: $578.12M
Peer Median: $326.73M
#362 of 2643 Top 13.7% in $100M-$1B
467
Total Loans
size
Value: $432.69M
Peer Median: $258.35M
#467 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (2 metrics)

2305
Non-Interest-Bearing Deposit Share
funding
Value: 11.04%
Peer Median: 22.03%
#2305 of 2643 Bottom 12.8% in $100M-$1B
2041
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2041 of 2643 Bottom 22.8% in $100M-$1B
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