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Midwest BankCentre
Lemay, MO·FDIC Cert #1058·Charter: STATE·Est. 19060301.0·HC: STUPP BROS INC
Total Assets
$3.0B
Q4 2025
Return on Assets
1.10%
-0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.81%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%-0.07
ROE
9.49%-0.80
Efficiency
56.81%+0.78
Equity/Assets
0.00%+0.00
NPL Ratio
1.23%+0.59
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.86%+0.81
Charge-offs
0.29%+0.26
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.1 | 1.0 | 1.1 | 1.1 | 1.2 | 1.1 |
| ROE | 11.2 | 10.1 | 10.2 | 9.6 | 10.1 | 10.0 | 10.3 | 9.5 |
| Efficiency | 59.0 | 62.7 | 61.3 | 62.9 | 57.2 | 56.1 | 56.0 | 56.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.3 | 0.3 | 0.3 | 0.4 | 0.6 | 0.6 | 1.2 |
| Charge-offs | -0.1 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 |
| Loan/Deposit | 94.1 | 92.1 | 93.4 | 95.4 | 94.9 | 95.4 | 96.0 | 96.9 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.5B
Total Loans$2.4B
Total Equity$369.1M
Profitability
ROA1.10%
ROE9.49%
Efficiency Ratio56.81%
Net Income$32.2M
Risk & Asset Quality
NPL Ratio1.23%
Charge-off Rate0.29%
Loan/Deposit96.86%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans