MIDWEST NATIONAL BANK

SANDOVAL, IL | Small | Est. June 1, 1910, midnight | FDIC #3834 | RSSD #122546 | OCC
Latest Report: 2025-12-31

MIDWEST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in SANDOVAL, IL, established in June 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $121M and total deposits of $108M. Profitability stands at -0.01% ROA and -0.19% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 11.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 7.05%. FDIC Certificate #3834.

Assets

$121M

Deposits

$108M

Loans

$94M

Equity

$8M

Profitability

Return on Assets (ROA) -0.01%
Return on Equity (ROE) -0.19%
Net Interest Margin (NIM) 3.80%
Yield on Assets 6.77%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio 0.34%
Texas Ratio 7.05%
NPA Ratio 0.55%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 11.01%
Tier 1 Capital 11.01%
Total Capital Ratio 12.26%
Leverage Ratio 7.88%
Loan-to-Deposit 87.08%

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