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Midwest Heritage Bank, FSB

$100M-$1B Specialty: Agricultural IA FDIC cert 4432

West Des Moines, IA

13 branches across IA · KS

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 167 in IA.
  • Deposits +79.3% year over year ($649.6M on the books).
  • Delinquency rate 1.81%.
  • Return on assets 1.75%.
  • Efficiency ratio 65.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.34% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Midwest Heritage Bank, FSB has 3 strengths but faces 2 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 7.7% in tier
  • + ROA 0.42% above tier average
  • + Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 1.29% above tier average
  • - Delinquency Rate 0.89% above tier average
Get updates when Midwest Heritage Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $768.3M
+56.3% YoY +56.8% QoQ
+$381.7M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 9.7% in tier
Total Loans ? $521.9M
+41.3% YoY +37.0% QoQ
+$263.5M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 9.7% in tier
Total Deposits ? $649.6M
+79.3% YoY +62.4% QoQ
+$322.8M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 9.5% in tier
Return on Assets ? 1.75%
-24.2% YoY +87.1% QoQ
+0.42% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.12%
+8.7% YoY +2.1% QoQ
+0.13% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 65.77%
+7.4% YoY -19.5% QoQ
+1.29% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 1.81%
+9.3% QoQ
+0.89% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 14.5% in tier
Loan-to-Deposit Ratio ? 80.34%
-21.2% YoY -15.6% QoQ
+2.39% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 18.81%
-0.3% YoY -8.2% QoQ
-3.22% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 1.23%
-4.5% QoQ
+0.56% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
16%
Tier 1 Capital Ratio ? 14.55%
-14.2% YoY -16.7% QoQ
-1.35% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 1.33%
-43.9% YoY +77.7% QoQ
+0.77% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 2.6% 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 (IA) National Avg Tier Percentile
Noninterest-Bearing 18.8%
-0.1pp YoY
-1.7pp QoQ
 -3.3pp 22.1% 17.8% 22.2% 39%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 9.5%
+2.7pp YoY
0.0pp QoQ
 -2.0pp 11.6% 12.8% 12.5% 49%
CRE 23.2%
+0.8pp YoY
+1.9pp QoQ
 -16.3pp 39.5% 28.3% 41.4% 23%
1-4 Family 31.5%
-4.1pp YoY
-3.0pp QoQ
 -1.1pp 32.6% 23.0% 31.3% 54%
Consumer 9.0%
-3.5pp YoY
-2.9pp QoQ
 +4.9pp 4.1% 2.9% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 14.6%
-2.4pp YoY
-2.9pp QoQ
 -4.3pp 18.8% 15.4% 19.7% 45%
Leverage Ratio 12.8%
-0.4pp YoY
-1.3pp QoQ
 +0.7pp 12.2% 12.4% 12.6% 73%
Total Capital Ratio 15.8%
-2.2pp YoY
-2.7pp QoQ
 -4.1pp 19.9% 16.5% 20.8% 46%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 164
+15 (+10.1%) YoY
+26 (+18.8%) QoQ
 +105 58 64 482 98%
Assets per Employee ($) $4.7M
+42.0% YoY
+31.9% QoQ
 -$2.8M $7.5M $8.9M $8.8M 10%
Branch Count 13
+4 (+44.4%) YoY
+4 (+44.4%) QoQ
 +8 4 5 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 36%
Nonaccrual 1.8%
+1.8pp YoY
+0.2pp QoQ
 +0.8pp 0.9% 1.0% 1.0% 85%
Allowance Coverage 0.85x
-91.4% YoY
+38.0% QoQ
 -23.30x 24.15x 18.97x 20.23x 22%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.3%
-5.4pp YoY
+6.6pp QoQ
 +1.1pp 12.2% 12.8% 11.6% 58%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 51%
Net Income ($, YTD) $5.1M
-10.5% YoY
— QoQ
 +$2.5M $2.6M $4.0M $40.4M 88%

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 (1)

Revenue Diversifier

growth
#52 of 661 • Top 7.7% 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: 1.33%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.75%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (5 metrics)

70
Non-Interest Income / Assets
revenue_mix
Value: 1.33%
Peer Median: 0.57%
#70 of 2643 Top 2.6% in $100M-$1B
252
Total Deposits
size
Value: $649.58M
Peer Median: $326.73M
#252 of 2643 Top 9.5% in $100M-$1B
258
Total Assets
size
Value: $768.31M
Peer Median: $386.57M
#258 of 2643 Top 9.7% in $100M-$1B
258
Total Loans
size
Value: $521.88M
Peer Median: $258.35M
#258 of 2643 Top 9.7% in $100M-$1B
590
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.32%
#590 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2253
Delinquency Rate
credit_quality
Value: 1.81%
Peer Median: 0.92%
#2253 of 2633 Bottom 14.5% in $100M-$1B
2223
Nonperforming Asset Ratio
credit_quality
Value: 1.23%
Peer Median: 0.67%
#2223 of 2643 Bottom 15.9% in $100M-$1B
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