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Midwest Regional Bank

$100M-$1B Specialty: Commercial MO FDIC cert 8889

Clayton, MO

7 branches across MO

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 -14.5% year over year ($840.1M on the books).
  • Delinquency rate 6.78%.
  • Return on assets -1.34%.
  • Efficiency ratio 69.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.92% 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 Regional Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 5.6% in tier
  • - Deposit Outflow: Bottom 34.0% in tier
  • - Return on Assets 2.66% below tier average
  • - Delinquency Rate 5.86% above tier average
  • - Non-Interest-Bearing Deposit Share 13.00% below tier average
  • - Nonperforming Asset Ratio 4.72% above tier average
  • - Net Interest Margin 0.46% below tier average
  • - Efficiency Ratio 4.70% above tier average
Get updates when Midwest Regional Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $949.0M
-15.5% YoY -4.1% QoQ
+$562.4M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 1.8% in tier
Total Loans ? $747.0M
-17.8% YoY -5.0% QoQ
+$488.7M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 1.0% in tier
Total Deposits ? $840.1M
-14.5% YoY -2.3% QoQ
+$513.4M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 0.8% in tier
Return on Assets ? -1.34%
-605.5% YoY -299.4% QoQ
-2.66% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Bottom 1.0% in tier
Net Interest Margin ? 3.52%
+8.0% YoY +2.2% QoQ
-0.46% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
28%
Efficiency Ratio ? 69.18%
-10.0% YoY -0.3% QoQ
+4.70% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 6.78%
+43.7% YoY +7.6% QoQ
+5.86% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Bottom 0.9% in tier
Loan-to-Deposit Ratio ? 88.92%
-3.8% YoY -2.8% QoQ
+10.96% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 9.03%
+17.0% YoY +5.9% QoQ
-13.00% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 8.7% in tier
Nonperforming Asset Ratio ? 5.39%
+38.7% YoY +6.3% QoQ
+4.72% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Bottom 0.8% in tier
Tier 1 Capital Ratio ? 11.40%
+8.8% YoY -6.7% QoQ
-4.51% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? 0.41%
+14.1% YoY +111.0% QoQ
-0.16% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 14.5% 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 9.0%
+1.3pp YoY
+0.5pp QoQ
 -13.1pp 22.1% 20.9% 22.2% 8%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 20.2%
+1.9pp YoY
-0.6pp QoQ
 +8.7pp 11.6% 12.3% 12.5% 89%
CRE 74.3%
+0.5pp YoY
+0.7pp QoQ
 +34.8pp 39.5% 36.8% 41.4% 95%
1-4 Family 5.5%
-1.3pp YoY
-0.1pp QoQ
 -27.1pp 32.6% 31.9% 31.3% 6%
Consumer 0.2%
+0.1pp YoY
0.0pp QoQ
 -3.9pp 4.1% 4.1% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 11.4%
+0.9pp YoY
-0.8pp QoQ
 -7.4pp 18.8% 18.5% 19.7% 11%
Leverage Ratio 10.2%
+0.5pp YoY
-0.4pp QoQ
 -1.9pp 12.2% 11.6% 12.6% 36%
Total Capital Ratio 12.7%
+0.9pp YoY
-0.8pp QoQ
 -7.3pp 19.9% 19.6% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 136
+2 (+1.5%) YoY
-2 (-1.4%) QoQ
 +77 58 162 482 96%
Assets per Employee ($) $7.0M
-16.7% YoY
-2.7% QoQ
 -$541K $7.5M $8.0M $8.8M 52%
Branch Count 7
0 YoY
0 QoQ
 +2 4 10 18 75%

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 6.8%
+2.2pp YoY
+0.5pp QoQ
 +5.8pp 0.9% 0.8% 1.0% 99%
Allowance Coverage 0.38x
+33.2% YoY
+10.8% QoQ
 -23.77x 24.15x 10.47x 20.23x 6%
Net Charge-off Rate (YTD) 3.0%
+2.9pp YoY
+2.7pp QoQ
 +2.9pp 0.1% 0.3% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE -12.3%
-15.1pp YoY
-18.4pp QoQ
 -24.5pp 12.2% 14.3% 11.6% 1%
Cost of Funds (YTD) 3.1%
-0.6pp YoY
-0.1pp QoQ
 +1.4pp 1.7% 1.8% 1.7% 99%
Net Income ($, YTD) $-6653000.0
-553.5% YoY
— QoQ
 -$9.2M $2.6M $11.3M $40.4M 0%

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)

Capital Constraint

risk
#7 of 107 • Bottom 5.6% 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: 88.92%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.40%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#183 of 535 • Bottom 34.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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)

23
Total Deposits
size
Value: $840.15M
Peer Median: $326.73M
#23 of 2643 Top 0.8% in $100M-$1B
28
Total Loans
size
Value: $747.03M
Peer Median: $258.35M
#28 of 2643 Top 1.0% in $100M-$1B
48
Total Assets
size
Value: $948.97M
Peer Median: $386.57M
#48 of 2643 Top 1.8% in $100M-$1B
383
Non-Interest Income / Assets
revenue_mix
Value: 0.41%
Peer Median: 0.57%
#383 of 2643 Top 14.5% in $100M-$1B

Top Weaknesses (4 metrics)

2622
Nonperforming Asset Ratio
credit_quality
Value: 5.39%
Peer Median: 0.67%
#2622 of 2643 Bottom 0.8% in $100M-$1B
2610
Delinquency Rate
credit_quality
Value: 6.78%
Peer Median: 0.92%
#2610 of 2633 Bottom 0.9% in $100M-$1B
2618
Return on Assets
profitability
Value: -1.34%
Peer Median: 1.32%
#2618 of 2643 Bottom 1.0% in $100M-$1B
2414
Non-Interest-Bearing Deposit Share
funding
Value: 9.03%
Peer Median: 22.03%
#2414 of 2643 Bottom 8.7% in $100M-$1B
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