A multiple-input multiple-output (MIMO) wireless transceiver with “N” transmit and receive chains and a bandwidth evaluation circuit, a chain partitioning circuit and a switchable radio frequency ‘RF’ filter bank. The bandwidth evaluation circuit evaluates both the utilization of the WLAN(s) and any remaining communications channels and determines whether to operate the MIMO chains synchronously as a single radio or asynchronously as multiple radios. The chain partitioning circuit either partitions subsets of the MIMO chains for asynchronous operation as distinct radios or combines all MIMO chains for synchronous operation as a single radio. The switchable RF filter bank is responsive to a partitioning of subsets of the chains into distinct radios to add RF filters to a RF portion of the chains to isolate each radio from one another, and responsive to a combining of all MIMO chains into a single radio to remove all RF filters.