First Midwest Bank of the Ozarks
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Data as of · sourced from FFIEC call reports. How we update
First Midwest Bank of the Ozarks is an FDIC-insured commercial bank headquartered in Poplar Bluff, MO, established in 1964 (FDIC certificate 19212), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $733.2M, up 0.4% from Q2 2025, the 54th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19212
- Headquarters
- Poplar Bluff, MO
- Established
- 1964
- Total assets, Q2 2026
- $733.2M
- Assets vs Q2 2025
- +0.4%
- Tier 1 leverage ratio, Q2 2026
- 10.85%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 081501227
- Latest call report
- Q2 2026, FFIEC 051 · First Midwest Bank of the Ozarks call report
- Holding company
- MIDWEST BANCORPORATION, INC.
- Asset rank in state
- 54th of 191 in Missouri
First Midwest Bank of the Ozarks is one of the more profitable banks of its size. The Poplar Bluff, Missouri bank had $733 million in assets at June 30, 2026. It earns about $1.92 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it pays an average of 2.33% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%). A wide margin does most of the work: it keeps 4.44 cents of net interest income on every dollar of earning assets.
Its $144 million commercial and industrial book is improving, with 3.15% past due or on nonaccrual, down from 7.67% a year earlier. Net income for the quarter rose 15% from a year earlier, to $3.5 million. Credit is the area to watch: it carries problem assets equal to 7.5% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, First Midwest Bank of the Ozarks reported a return on assets of 1.92%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 7.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Midwest Bank of the Ozarks is the 54th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $733.2M, loans rose 3.3% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.3% of total loans, ahead of commercial and industrial loans at 22.7%. The FDIC Summary of Deposits lists 11 offices for it, in 7 cities in MO; its Poplar Bluff 4 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, First Midwest Bank of the Ozarks meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 704 N Westwood Blvd, Poplar Bluff, MO 63901
- County
- Butler
- Metro Area
- Poplar Bluff, 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
- August 29, 1964
- Former names
- First Midwest Bank of Poplar Bluff (1988-2021)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 124
- Domestic deposits
- $646.6M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $352K
- Average total assets
- $740.9M
- Average total loans
- $625.6M
- Average interest-bearing deposits
- $555.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 29, 1964
- FDIC Cert
- 19212
- Fed RSSD
- 228158
- Website
- www.onemidwest.com →
- Parent Holding Company
- MIDWEST BANCORPORATION, INC. (RSSD 2575249)
- Ultimate Parent
- RSSD 2575230
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Midwest Bank of the Ozarks reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Midwest Bank of the Ozarks's total assets ranged from $711.2M (Q3 2024) to $740.9M (Q1 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
$733.2M total assets against $730.6M; $654.5M total liabilities against $654.0M.
$626.2M net loans and leases against $609.5M; $646.6M total deposits against $646.3M.
$45.8M securities against $41.4M; $29.7M cash and balances due against $49.2M.
$11.7M total interest income against $11.6M; $3.8M total interest expense against $4.2M.
$7.8M net interest income against $7.4M.
$1.2M total noninterest income against $1.1M; $5.3M total noninterest expense against $5.1M.
$210K provision for credit losses against $210K.
$3.5M net income against $3.1M.
1.92% return on assets against 1.69%; 4.44% net interest margin against 4.21%.
10.85% tier 1 leverage ratio against 10.71%.
Inside the full First Midwest Bank of the Ozarks terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Midwest Bank of the Ozarks rankings
Its closest position to the top of a national ranking is 583 of 3,611, for ROA; its furthest is 1,641 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q1 2025) to 1.99% (Q3 2025) and its net interest margin ran from 4.00% (Q3 2024) to 4.47% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.92% | 1.00% | 7.50% | 4.44% |
| Q1 2026 | 10.79% | 1.70% | 0.68% | 5.41% | 4.31% |
| Q4 2025 | 10.58% | 1.77% | 0.44% | 3.59% | 4.39% |
| Q3 2025 | 10.64% | 1.99% | 0.99% | 7.65% | 4.47% |
| Q2 2025 | 10.71% | 1.69% | 0.80% | 6.31% | 4.21% |
| Q1 2025 | 10.97% | 1.53% | 0.80% | 6.65% | 4.06% |
| Q4 2024 | 10.93% | 1.65% | 0.90% | 8.05% | 4.09% |
| Q3 2024 | 10.98% | 1.65% | 1.36% | 9.99% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| First Midwest Bank of the Ozarks (main office) | Poplar Bluff , MO | 63901 | $297.0M |
| First Midwest Bank - Grindstone Branch | Columbia , MO | 65201 | $90.9M |
| Former Fmwb Ozarks Mo Branch | Piedmont , MO | 63957 | $61.3M |
| First Midwest Bank of the Ozarks - Van Buren Branch | Van Buren , MO | 63965 | $52.2M |
| Puxico Branch | Puxico , MO | 63960 | $48.2M |
| Stadium Location Branch | Columbia , MO | 65201 | $47.6M |
| First Midwest Bank of Poplar Bluff - North Branch | Poplar Bluff , MO | 63901 | $20.6M |
| Wal-Mart Super Center Branch | Poplar Bluff , MO | 63901 | $11.7M |
| Greenville Branch | Greenville , MO | 63944 | $7.7M |
| East Facility | Poplar Bluff , MO | 63901 | $5.5M |
| Williamsville Branch | Williamsville , MO | 63967 | $3.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 4, 2021 | Structure Change | Acquired First Midwest Bank of the Ozarks Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1987 | Structure Change | Acquired Puxico State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 66 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 297 applications, 264 loans originated, $46.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $275K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First Midwest Bank of the Ozarks
What are First Midwest Bank of the Ozarks's total assets?
As of the Q2 2026 filing, First Midwest Bank of the Ozarks reported total assets of $733.2 million in its FFIEC call report.
Where is First Midwest Bank of the Ozarks headquartered?
It is headquartered in Poplar Bluff, MO, United States.
When was First Midwest Bank of the Ozarks founded?
It was established in 1964, per the FDIC institution directory.
Is First Midwest Bank of the Ozarks FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19212). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Midwest Bank of the Ozarks?
First Midwest Bank of the Ozarks's primary federal regulator is the FDIC.
How many branches does First Midwest Bank of the Ozarks operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Midwest Bank of the Ozarks's Texas Ratio?
Its Texas Ratio is 7.50% 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 First Midwest Bank of the Ozarks previously called?
The charter now named First Midwest Bank of the Ozarks has also operated as First Midwest Bank of Poplar Bluff (1988-2021), per FDIC structure-change records.
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