Midstates Bank, National Association: how it compares with its peers
Against 72 IA banks with half to twice its assets, Midstates Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.86% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $8.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.44% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.65% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.54% | 54.97% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.3M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.71% | 86.41% | Context |
What it means for lending operations
Its efficiency ratio of 54.54% is better than the 54.97% 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
- Clear Lake Bank and Trust Company Clear Lake, IA · $649M
- First State Bank Webster City, IA · $674M
- Marion County State Bank Pella, IA · $629M
- Liberty National Bank Sioux City, IA · $624M
- South Story Bank & Trust Slater, IA · $624M
- GNB Bank Grundy Center, IA · $621M
Questions about Midstates Bank, National Association
How big is Midstates Bank, National Association?
Midstates Bank, National Association, established in 1913, is headquartered in Council Bluffs, IA. It reported $654M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Midstates Bank, National Association's return on assets?
1.49% annualized in Q2 2026, against a 1.44% median for 72 IA banks with half to twice its assets, ahead of 54% of them.
What is Midstates Bank, National Association's efficiency ratio?
54.54% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 54.97%, and lower is better.
Is Midstates Bank, National Association growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 6.0%.
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 IA 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 Iowa bank ranked.