MIDSTATES BANK, NATIONAL ASSOCIATION

COUNCIL BLUFFS, IA | Medium | Est. Jan. 1, 1913, midnight | FDIC #4465 | RSSD #728948 | OCC
Latest Report: 2025-12-31

MIDSTATES BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in COUNCIL BLUFFS, IA, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $631M and total deposits of $543M. Profitability stands at 1.57% ROA and 15.38% ROE, with a net interest margin of 4.61%. The bank's CET1 capital ratio is 16.56%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.19%. FDIC Certificate #4465.

Assets

$631M

Deposits

$543M

Loans

$423M

Equity

$66M

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 15.38%
Net Interest Margin (NIM) 4.61%
Yield on Assets 6.11%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio -0.05%
Texas Ratio 1.19%
NPA Ratio 0.14%
ACL / Loans 2.15%

Capital & Liquidity

CET1 Ratio 16.56%
Tier 1 Capital 16.56%
Total Capital Ratio 17.82%
Leverage Ratio 11.64%
Loan-to-Deposit 77.97%

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