MIDWESTONE BANK

IOWA CITY, IA | Large | Est. Oct. 15, 1934, midnight | FDIC #14843 | RSSD #836843 | FDIC
Latest Report: 2025-12-31

MIDWESTONE BANK is aln large FDIC-insured commercial bank headquartered in IOWA CITY, IA, established in Oct. 15, 1934, midnight. As of 2025-12-31, the bank reported total assets of $6.3B and total deposits of $5.5B. Profitability stands at 1.30% ROA and 11.68% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 12.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.69% and a Texas Ratio of 4.77%. FDIC Certificate #14843.

Assets

$6.3B

Deposits

$5.5B

Loans

$4.5B

Equity

$703M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 11.68%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.50%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.69%
Net Charge-Off Ratio 0.41%
Texas Ratio 4.77%
NPA Ratio 0.58%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 12.88%
Tier 1 Capital 12.88%
Total Capital Ratio 14.02%
Leverage Ratio 10.50%
Loan-to-Deposit 82.84%

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