Midwest Regional Bank
Clayton, Missouri · $949M in assets · beside the 11 other Missouri banks between $300M and $1B
The filing
Midwest Regional Bank is the third largest of the 12 Missouri banks nearest its size between $300M and $1B, with $949M in assets at 30 June 2026. Loans are 91.2% of deposits, 6th of 12 against a median of 92.1%, and equity is 10.5% of assets, 5th of 12. Loans grew -16.8% in the year, the slowest in the cohort, and deposits fell 14.5%; the cohort's median loan growth is +5.0%.
Noncurrent loans are 6.61% of the book, the highest in the cohort against a median of 0.45%; 1.04% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 3.20% of loans, the highest in the cohort. Commercial real estate is 47.6% of loans, 10th of 11 against a median of 32.5%, and 336% of capital, above the 300% screen, with construction at 149% against the 100% screen.
Return on assets is -1.39%, the lowest in the cohort against a median of 1.54%, on an efficiency ratio of 69.2%, 10th of 12. Five years ago it was 1.09%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 24.9% of loans).
SBA 7(a), FY2008 to FY2026
Midwest Regional Bank is the 4th largest 7(a) lender into Missouri of 444, with $353M across 393 loans, 4.6% of everything approved in the state (Oakstar Bank leads with $556M). 95 of its 207 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| Saint Louis, MO | $161M | 1st of 178 | 11.2% | -1.6 pts |
| Maricopa, AZ | $134M | 16th of 303 | 1.8% | +2.1 pts |
| Saint Charles, MO | $50M | 1st of 136 | 11.3% | +4.7 pts |
| Harris, TX | $39M | 51st of 314 | 0.5% | +0.3 pts |
| Dallas, TX | $37M | 39th of 314 | 0.7% | +0.6 pts |
| Saint Louis City, MO | $33M | 1st of 100 | 10.4% | -4.7 pts |
| Denver, CO | $32M | 15th of 193 | 1.6% | -0.6 pts |
| Douglas, CO | $31M | 5th of 156 | 3.8% | +5.0 pts |
| Pima, AZ | $29M | 7th of 140 | 2.7% | -5.1 pts |
| Tarrant, TX | $29M | 32nd of 281 | 0.8% | -0.7 pts |
| Jefferson, MO | $24M | 1st of 79 | 15.9% | -5.0 pts |
| Jefferson, CO | $24M | 18th of 183 | 1.6% | +3.0 pts |
| Arapahoe, CO | $23M | 18th of 166 | 1.4% | -1.3 pts |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Accommodation & food services | 339 | $233M | 18.1% | 0.30% | 80th of 2,596 |
| Manufacturing | 134 | $159M | 12.3% | 0.40% | 42nd of 2,246 |
| Retail trade | 175 | $130M | 10.1% | 0.21% | 89th of 2,589 |
| Construction | 105 | $123M | 9.5% | 0.39% | 44th of 2,063 |
| Arts, entertainment & recreation | 137 | $120M | 9.3% | 0.84% | 21st of 1,656 |
Commercial real estate against capital
| Midwest Regional Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 336% | 11th of 12 | 196% |
| Construction against capital, the 100% screen | 149% | 11th of 12 | 68% |
| Construction and land development, share of loans | 21.1% | 9th of 11 | 11.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 18.4% | 8th of 11 | 14.1% |
| Total CRE, the guidance definition, share of loans | 47.6% | 10th of 11 | 32.5% |
| CRE growth over 36 months, the third prong | -8.4% | 1st of 11 | +48.0% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $995M | 1.5% | 46.6% | 0.00% | -0.04% | 1.7% | 73.0% | 7.1% | |
| $993M | 0.4% | 84.3% | 0.45% | 0.29% | 1.3% | 111.1% | 10.7% | |
| $949M | -1.4% | 69.2% | 6.61% | 3.20% | 2.5% | 91.2% | 10.5% | |
| $948M | 0.6% | 70.9% | 1.54% | 0.05% | 1.3% | 95.0% | 10.3% | |
| $947M | 1.6% | 59.0% | 0.07% | 0.04% | 1.2% | 80.5% | 10.6% | |
| $915M | 2.7% | 46.0% | 0.58% | -0.05% | 2.7% | 77.1% | 18.0% | |
| $911M | 3.3% | 38.9% | no record | no record | no record | 0.0% | 5.8% | |
| $908M | 1.5% | 51.8% | 2.27% | 0.01% | 1.6% | 62.2% | 8.7% | |
| $867M | 1.4% | 56.8% | 0.13% | 0.00% | 1.7% | 93.2% | 9.9% | |
| $854M | 1.2% | 64.8% | 0.29% | -0.01% | 1.1% | 96.7% | 8.4% | |
| $854M | 1.7% | 64.4% | 0.85% | 0.05% | 1.2% | 104.9% | 12.1% | |
| $850M | 1.9% | 51.2% | 0.13% | 0.04% | 0.9% | 92.9% | 8.9% |
| Midwest Regional Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $691M | $766M | +11% | $428M | $676M | +58% |
| Deposits | $746M | $840M | +13% | $616M | $748M | +22% |
| NPA / loans | 0.19% | 6.61% | +6.41 pts | 0.34% | 0.45% | +0.11 pts |
| Efficiency | 56.5% | 69.2% | +12.7 pts | 63.6% | 57.9% | -5.8 pts |
| ROA | 1.09% | -1.39% | -2.48 pts | 1.24% | 1.54% | +0.30 pts |
This read was prepared for Midwest Regional Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Midwest Regional Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution www.mwrbank.com
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