Bank routing number ยท Spirit Lake, Iowa
Bank Midwest Routing Number (ABA): 073920829
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The Bank Midwest routing number is 073920829. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
Bank Midwest at a glance
Its CET1 capital ratio was 11.95% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $1.35B
- CET1 ratio, Q2 2026
- 11.95%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Domestic offices
- 11 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1887
Full financial profile · Is Bank Midwest safe? · Bank Midwest call report · Branch locations
Bank Midwest routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 073920829 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Bank Midwest publishes any other numbers it uses itself.
What the digits mean
The first two digits, 07, place this number in the Federal Reserve Bank of Chicago's district (District 7). Digits five through eight, 2082, identify the institution within that district. The last digit, 9, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Bank Midwest
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Bank Midwest checks or in its online banking. Ask the bank for wire instructions (bankmidwest.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Bank Midwest
Bank Midwest is headquartered in Spirit Lake, Iowa and was established in 1887. It is in the SPIRIT LAKE, IA metro area. It reported $1.35B in total assets and $1.15B in deposits for Q2 2026, the 21st largest of the 225 banks headquartered in Iowa. It reports 11 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the Federal Reserve. One other bank or credit union headquartered in Spirit Lake has a routing number listed here.
What the digits in 073920829 mean
The first four digits, 0739, are the Federal Reserve routing symbol. The prefix 07 places the number in the 7th Federal Reserve District (Chicago). That is also the district where the bank is headquartered. Digits five through eight, 2082, identify the institution within its Federal Reserve district. The last digit, 9, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 17 + 7 x 11 + 12 = 140, a multiple of 10, so 073920829 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Bank Midwest routing number?
The Bank Midwest routing number is 073920829. It is the primary ABA routing transit number registered to Bank Midwest, headquartered in Spirit Lake, IA. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Bank Midwest wire routing number?
This page lists the primary routing number registered to Bank Midwest. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Bank Midwest before sending a wire.
Is ABA number 073920829 the routing number for Bank Midwest?
Yes. It is the primary routing number registered to Bank Midwest.
Which bank uses routing number 073920829?
It belongs to Bank Midwest, headquartered in Spirit Lake, IA. It is the bank's primary ABA routing number (FDIC certificate 5170).
Routing numbers of similar-size institutions in Iowa
- Bank, Spirit Lake, IA
- The State Bank: 073920997
- Bank, Dubuque, IA
- Capra Bank: 073922063
- Bank, Hull, IA
- Iowa State Bank: 073922432
- Credit union, Dubuque, IA
- Dutrac Community Credit Union: 273974549
- Bank, Rock Valley, IA
- Peoples Bank: 073922005
- Bank, Sioux Center, IA
- American State Bank: 073917641
- Bank, Pilot Grove, IA
- Pilot Grove Savings Bank: 073916668
- Credit union, Cedar Rapids, IA
- Collins Community Credit Union: 273972949
View Bank Midwest's full profile →
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Regulator records: FDIC BankFind (cert 5170) · FFIEC NIC profile (RSSD 45551)