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BDI
MI

Midwest Independent BankersBank

Jefferson City, MissouriFDIC Cert #25849

STATEEstablished 19852 branches

Holding company: MIDWEST IND BANCSHARES INCRegulator: FED

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.51%
−6.8%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNETINC + ROA
ROE
10.71%
−11.3%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNETINC + ROE
Pretax ROA
1.99%
−4.2%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICPTAXNETINC + ASSET
NIM
4.01%
+11.4%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNIM + NIMY
Earning yield
5.62%
+0.3%y/y
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICINTINCY
IB deposit cost
3.46%
−25.8%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
66.50%
+5.9%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.96%
+12.6%y/y
Peer standing55th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNONIX + ASSET
Fee share
36.69%
−7.7%y/y
Percentile by value9th percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNONII + NIM
Assets YoY
+1.66%
−74.2%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICASSET
Deposits YoY
+11.13%
+6,422.3%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICDEP
Loans YoY
+3.27%
−85.0%y/y
Percentile by value45th percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
91st percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.57%Median 0.82%90th 1.49%Observations 12
ROE
FDICNETINC + ROE
92nd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 3.93%Median 6.07%90th 10.28%Observations 12
NIM
FDICNIM + NIMY
91st percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.77%Median 3.14%90th 4.00%Observations 12
Efficiency
FDICNONIX + NIM + NONII + EEFFR
91st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 66.51%Median 78.92%90th 84.03%Observations 12
Deposits YoY
FDICDEP
69th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −9.66%Median +1.49%90th +22.18%Observations 12
Loans YoY
FDICLNLSNET
46th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −7.25%Median +3.57%90th +18.18%Observations 12
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
30th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.55%90th 1.40%Observations 12
Leverage
FDICRBC1AAJ
61st percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 12.72%Median 14.57%90th 15.60%Observations 12

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
100th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 4.09%Median 6.13%90th 9.98%Observations 12
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
22nd percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 98%Median 227%90th 294%Observations 10

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.