MIDWEST BANK

DETROIT LAKES, MN | Medium | Est. June 1, 1917, midnight | FDIC #9737 | RSSD #806958 | FDIC
Latest Report: 2025-12-31

MIDWEST BANK is amn medium FDIC-insured commercial bank headquartered in DETROIT LAKES, MN, established in June 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $893M and total deposits of $753M. Profitability stands at 2.23% ROA and 22.20% ROE, with a net interest margin of 4.63%. The bank's CET1 capital ratio is 9.89%. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.17%. FDIC Certificate #9737.

Assets

$893M

Deposits

$753M

Loans

$799M

Equity

$89M

Profitability

Return on Assets (ROA) 2.23%
Return on Equity (ROE) 22.20%
Net Interest Margin (NIM) 4.63%
Yield on Assets 7.10%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.17%
NPA Ratio 0.02%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 9.89%
Tier 1 Capital 9.89%
Total Capital Ratio 10.38%
Leverage Ratio 10.25%
Loan-to-Deposit 106.19%

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