BANK MIDWEST

SPIRIT LAKE, IA | Large | Est. Jan. 1, 1887, midnight | FDIC #5170 | RSSD #45551 | FED
Latest Report: 2025-12-31

BANK MIDWEST is aln large FDIC-insured commercial bank headquartered in SPIRIT LAKE, IA, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.2B. Profitability stands at 0.94% ROA and 10.01% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 11.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 2.63%. FDIC Certificate #5170.

Assets

$1.3B

Deposits

$1.2B

Loans

$1.0B

Equity

$129M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 10.01%
Net Interest Margin (NIM) 3.87%
Yield on Assets 6.18%
Cost of Funds 4.11%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.28%
Texas Ratio 2.63%
NPA Ratio 0.27%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 11.63%
Tier 1 Capital 11.63%
Total Capital Ratio 12.68%
Leverage Ratio 9.81%
Loan-to-Deposit 89.35%

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