Midwest BankCentre: how it compares with its peers
Against 16 MO banks with half to twice its assets, Midwest BankCentre's strongest measure in Q2 2026 is assets per employee ($10.9M vs. a $8.0M peer median). Its weakest relative measure is return on assets (1.34% vs. 1.29%).
| Measure | Midwest BankCentre | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.34% | 1.29% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 3.77% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.91% | 57.36% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.9M | $8.0M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.59% | 95.31% | Context |
What it means for lending operations
Its efficiency ratio of 51.91% is better than the 57.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- North American Savings Bank, F.S.B. Grandview, MO · $3.20B
- Academy Bank, National Association Kansas City, MO · $3.23B
- Oakstar Bank Springfield, MO · $3.29B
- Lead Bank Kansas City, MO · $2.76B
- Guaranty Bank Springfield, MO · $2.38B
- Omb Bank Springfield, MO · $2.36B
Questions about Midwest BankCentre
How big is Midwest BankCentre?
Midwest BankCentre, established in 1906, is headquartered in Lemay, MO. It reported $3.07B in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is Midwest BankCentre's return on assets?
1.34% annualized in Q2 2026, against a 1.29% median for 16 MO banks with half to twice its assets, ahead of 56% of them.
What is Midwest BankCentre's efficiency ratio?
51.91% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 57.36%, and lower is better.
Is Midwest BankCentre growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.