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MidWestOne Bank
Iowa City, IA·FDIC Cert #14843·Charter: STATE·Est. 19341015.0·HC: MIDWESTONE FINANCIAL GROUP INC
Total Assets
$6.3B
Q4 2025
Return on Assets
1.12%
+0.06%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.69%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.12%+0.06
ROE
10.22%+0.49
Efficiency
56.69%+0.57
Equity/Assets
0.00%+0.00
NPL Ratio
0.71%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.87%+1.99
Charge-offs
0.43%-0.14
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 | 0.4 | 0.7 | -1.4 | -0.8 | 1.1 | 1.0 | 1.1 | 1.1 |
| ROE | 3.9 | 7.7 | -14.2 | -7.8 | 10.4 | 8.8 | 9.7 | 10.2 |
| Efficiency | 70.0 | 62.2 | 64.2 | 62.5 | 57.8 | 56.3 | 56.1 | 56.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.6 | 0.5 | 0.5 | 0.4 | 0.9 | 0.7 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.3 | 0.2 | 0.6 | 0.4 |
| Loan/Deposit | 78.0 | 78.2 | 79.6 | 77.7 | 77.6 | 80.2 | 79.9 | 81.9 |
Balance Sheet
Total Assets$6.3B
Total Deposits$5.5B
Total Loans$4.5B
Total Equity$702.8M
Profitability
ROA1.12%
ROE10.22%
Efficiency Ratio56.69%
Net Income$69.6M
Risk & Asset Quality
NPL Ratio0.71%
Charge-off Rate0.43%
Loan/Deposit81.87%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans