MIDWEST BANK

MONMOUTH, IL | Medium | Est. Sept. 9, 1870, midnight | FDIC #3711 | RSSD #709143 | FED
Latest Report: 2025-12-31

MIDWEST BANK is amn medium FDIC-insured commercial bank headquartered in MONMOUTH, IL, established in Sept. 9, 1870, midnight. As of 2025-12-31, the bank reported total assets of $703M and total deposits of $535M. Profitability stands at 0.74% ROA and 8.89% ROE, with a net interest margin of 3.23%. The bank's CET1 capital ratio is 13.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.36%. FDIC Certificate #3711.

Assets

$703M

Deposits

$535M

Loans

$427M

Equity

$59M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 8.89%
Net Interest Margin (NIM) 3.23%
Yield on Assets 5.04%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.10%
Texas Ratio 1.36%
NPA Ratio 0.12%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 13.60%
Tier 1 Capital 13.60%
Total Capital Ratio 14.75%
Leverage Ratio 8.60%
Loan-to-Deposit 79.79%

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