Citizens Bank of the Midwest
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of the Midwest is an FDIC-insured commercial bank headquartered in Rolla, MO, established in 1944 (FDIC certificate 16126), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $238.3M, down 0.1% from Q2 2025, the 115th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.83% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16126
- Headquarters
- Rolla, MO
- Established
- 1944
- Total assets, Q2 2026
- $238.3M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 11.83%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081518139
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of the Midwest call report
- Holding company
- NEWBURG INSURANCE AGENCY, INC.
- Asset rank in state
- 115th of 191 in Missouri
Citizens Bank of the Midwest, based in Rolla, Missouri, reported $238 million in assets at June 30, 2026. It keeps 2.98 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Its $35 million non-owner-occupied commercial real estate book is now fully current, after 3.82% of it was past due or on nonaccrual a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.9 million equal 43% of Tier 1 capital, down from 51% a year earlier. Where it has less room is capital: it funds 8.39% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Citizens Bank of the Midwest reported a CET1 capital ratio of 11.83%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 37.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank of the Midwest is the 115th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.5% to $238.3M, loans rose 0.3% and deposits fell 7.9%. 1-4 family residential loans made up 48.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.9%. The FDIC Summary of Deposits lists 3 offices for it, in Rolla, MO, Doolittle, MO and St. Robert, MO; its Rolla office books 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Citizens Bank of the Midwest meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1515 Martin Springs Dr, Rolla, MO 65401
- County
- Phelps
- Metro Area
- Rolla, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 28, 1944
- Former names
- Citizens Bank of Newburg (1957-2020)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $191.6M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$31K
- Average total assets
- $250.3M
- Average total loans
- $168.1M
- Average interest-bearing deposits
- $201.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 28, 1944
- FDIC Cert
- 16126
- Fed RSSD
- 44750
- Website
- www.cbmw.bank →
- Parent Holding Company
- NEWBURG INSURANCE AGENCY, INC. (RSSD 1118621)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Citizens Bank of the Midwest's total assets moved between a low of $203.3M (Q3 2023) and a high of $249.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$238.3M total assets against $238.4M; $224.1M total liabilities against $226.2M.
$163.9M net loans and leases against $161.4M; $191.6M total deposits against $198.2M.
$41.6M securities against $41.7M; $11.8M cash and balances due against $14.4M.
$3.5M total interest income against $3.4M; $1.7M total interest expense against $1.7M.
$1.8M net interest income against $1.7M.
$86K total noninterest income against $101K; $1.1M total noninterest expense against $995K.
No provision recorded in the last 12 quarters.
$558K net income against $613K.
0.89% return on assets against 1.03%; 2.98% net interest margin against 3.02%.
11.83% CET1 capital ratio against 11.50%; 8.39% tier 1 leverage ratio against 8.34%.
Inside the full Citizens Bank of the Midwest terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens Bank of the Midwest rankings
Its closest position to the top of a national ranking is 34 of 3,640, for Texas Ratio; its furthest is 1,760 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.58% (Q4 2024) to 1.28% (Q1 2025) and its net interest margin ran from 2.80% (Q4 2024) to 3.13% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 0.89% | 0.33% | 37.86% | 2.98% |
| Q1 2026 | 12.01% | 1.07% | 0.16% | 36.71% | 2.83% |
| Q4 2025 | 11.90% | 0.75% | 0.19% | 36.86% | 3.07% |
| Q3 2025 | 12.02% | 1.09% | 0.25% | 39.72% | 3.13% |
| Q2 2025 | 11.50% | 1.03% | 0.22% | 42.91% | 3.02% |
| Q1 2025 | 11.95% | 1.28% | 0.20% | 42.64% | 3.03% |
| Q4 2024 | 12.11% | 0.58% | 0.26% | 26.04% | 2.80% |
| Q3 2024 | 11.83% | 0.92% | 0.37% | 24.27% | 2.89% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of the Midwest (main office) | Rolla , MO | 65401 | $151.4M |
| Doolittle Branch Facility | Doolittle , MO | 65401 | $26.8M |
| St. Robert Branch | St. Robert , MO | 65584 | $13.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 145 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $200K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank of the Midwest
What are Citizens Bank of the Midwest's total assets?
As of the Q2 2026 filing, Citizens Bank of the Midwest reported total assets of $238.3 million in its FFIEC call report.
Where is Citizens Bank of the Midwest headquartered?
It is headquartered in Rolla, MO, United States.
When was Citizens Bank of the Midwest founded?
It was established in 1944, per the FDIC institution directory.
Is Citizens Bank of the Midwest FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of the Midwest?
Citizens Bank of the Midwest's primary federal regulator is the FDIC.
What is Citizens Bank of the Midwest's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank of the Midwest operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of the Midwest's Texas Ratio?
Its Texas Ratio is 37.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens Bank of the Midwest previously called?
The charter now named Citizens Bank of the Midwest has also operated as Citizens Bank of Newburg (1957-2020), per FDIC structure-change records.
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