Midwest Independent BankersBank: how it compares with its peers
Against 79 MO banks with half to twice its assets, Midwest Independent BankersBank's strongest measure in Q2 2026 is assets per employee ($10.3M vs. a $6.4M peer median). Its weakest relative measure is efficiency ratio (68.24% vs. 57.66%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 1.53% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 4.16% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.24% | 57.66% | Bottom third Ahead of 22% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.3M | $6.4M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.07% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 68.24% is above the 57.66% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Exchange Bank Co. Kahoka, MO · $342M
- Ozark Bank Ozark, MO · $341M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Community Bank of Raymore Raymore, MO · $347M
- Heritage Community Bank Union, MO · $348M
- Community State Bank of Missouri Bowling Green, MO · $334M
Questions about Midwest Independent BankersBank
How big is Midwest Independent BankersBank?
Midwest Independent BankersBank, established in 1985, is headquartered in Jefferson City, MO. It reported $341M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Midwest Independent BankersBank's return on assets?
1.38% annualized in Q2 2026, against a 1.53% median for 79 MO banks with half to twice its assets, ahead of 42% of them.
What is Midwest Independent BankersBank's efficiency ratio?
68.24% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 57.66%, and lower is better.
Is Midwest Independent BankersBank growing its loans?
Net loans shrank 3.5% over the year to Q2 2026, while deposits shrank 11.2%.
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.