MIDWEST HERITAGE BANK, FSB

WEST DES MOINES, IA | Small | Est. April 1, 1930, midnight | FDIC #4432 | RSSD #203043 | OCC
Latest Report: 2025-12-31

MIDWEST HERITAGE BANK, FSB is asn small FDIC-insured commercial bank headquartered in WEST DES MOINES, IA, established in April 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $492M and total deposits of $358M. Profitability stands at 1.59% ROA and 11.44% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 16.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.52% and a Texas Ratio of 8.34%. FDIC Certificate #4432.

Assets

$492M

Deposits

$358M

Loans

$396M

Equity

$68M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 11.44%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.88%
Cost of Funds 2.19%

Asset Quality

NPL Ratio 1.52%
Net Charge-Off Ratio 0.03%
Texas Ratio 8.34%
NPA Ratio 1.23%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 16.54%
Tier 1 Capital 16.54%
Total Capital Ratio 17.50%
Leverage Ratio 14.08%
Loan-to-Deposit 110.52%

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