Midstates Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Midstates Bank, N.A. is an FDIC-insured commercial bank headquartered in Council Bluffs, IA, established in 1913 (FDIC certificate 4465), and it is supervised by the OCC. At Q2 2026 it reported total assets of $653.9M, up 4.9% from Q2 2025, the 41st largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 16.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4465
- Headquarters
- Council Bluffs, IA
- Established
- 1913
- Total assets, Q2 2026
- $653.9M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 16.79%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 073903383
- Latest call report
- Q2 2026, FFIEC 051 · Midstates Bank, N.A. call report
- Holding company
- MIDSTATES BANCSHARES, INC.
- Asset rank in state
- 41st of 225 in Iowa
Problem loans are falling at Midstates Bank, N.A.. Its balance sheet stood at $654 million at June 30, 2026, up 4.9% from a year earlier; it is based in Council Bluffs, Iowa. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.29% of loans from 0.75% a year earlier.
Earnings jumped: net income for the quarter was $2.6 million, 61% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 15% of Tier 1 capital, down from 21% a year earlier.
As of June 30, 2026, Midstates Bank, N.A. reported a CET1 capital ratio of 16.79%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 1.67%. The figures come from its call report filed with the FFIEC.
Midstates Bank, N.A. ranks as the 41st largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $653.9M, loans rose 0.1% and deposits rose 5.0%. Its loan book on June 30, 2026 was led by agricultural production loans, at 23.5% of total loans, followed by farmland and other real estate loans at 18.9%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in IA; its Harlan office books 19% of its branch deposits. On its Q2 2026 call report, Midstates Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1851 Madison Ave, Council Bluffs, IA 51503
- County
- Pottawattamie
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $570.2M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $663.6M
- Average total loans
- $423.9M
- Average interest-bearing deposits
- $421.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4465
- Fed RSSD
- 728948
- Website
- www.midstatesbank.com →
- Parent Holding Company
- MIDSTATES BANCSHARES, INC. (RSSD 1825367)
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
From Q3 2023 to Q2 2026, Midstates Bank, N.A.'s total assets ranged from $616.2M (Q3 2023) to $653.9M (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
$653.9M total assets against $623.1M; $587.5M total liabilities against $564.6M.
$420.3M net loans and leases against $397.3M; $570.2M total deposits against $537.8M.
$200.4M securities against $196.8M; $16.6M cash and balances due against $10.5M.
$8.2M total interest income against $7.6M; $2.1M total interest expense against $2.3M.
$6.1M net interest income against $5.3M.
$565K total noninterest income against $706K; $3.9M total noninterest expense against $4.1M.
$59K provision for credit losses against $61K.
$2.6M net income against $1.6M.
1.57% return on assets against 0.98%; 3.83% net interest margin against 3.42%.
16.79% CET1 capital ratio against 16.30%; 11.60% tier 1 leverage ratio against 10.88%.
Inside the full Midstates Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMidstates Bank, N.A. rankings
Its closest position to the top of a national ranking is 609 of 2,134, for CET1 ratio; its furthest is 2,402 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q4 2024) to 1.57% (Q2 2026) and its net interest margin ran from 3.05% (Q3 2024) to 4.32% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | 1.57% | 0.29% | 1.67% | 3.83% |
| Q1 2026 | 16.57% | 1.35% | 0.34% | 1.96% | 3.75% |
| Q4 2025 | 16.56% | 1.53% | 0.29% | 1.67% | 4.32% |
| Q3 2025 | 16.44% | 1.18% | 0.74% | 4.32% | 3.51% |
| Q2 2025 | 16.30% | 0.98% | 0.75% | 4.65% | 3.42% |
| Q1 2025 | 15.90% | 1.01% | 0.99% | 6.53% | 3.30% |
| Q4 2024 | 15.56% | 0.73% | 0.77% | 5.49% | 3.09% |
| Q3 2024 | 15.31% | 0.85% | 0.93% | 6.27% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Main Office Branch | Harlan , IA | 51537 | $107.0M |
| Midstates Bank, N.A. (main office) | Council Bluffs , IA | 51503 | $106.4M |
| Missouri Valley Branch | Missouri Valley , IA | 51555 | $80.2M |
| Avoca Branch | Avoca , IA | 51521 | $72.1M |
| Kingsley Branch | Kingsley , IA | 51028 | $70.6M |
| Neola Branch | Neola , IA | 51559 | $62.7M |
| Le Mars Branch | Le Mars , IA | 51031 | $27.7M |
| Kingsley State Bank, Sergeant Bluff Office | Sergeant Bluff , IA | 51054 | $27.7M |
| Mondamin Branch | Mondamin , IA | 51557 | $8.9M |
| Minden Branch | Minden , IA | 51553 | $7.0M |
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 |
|---|---|---|---|
| August 30, 2019 | Structure Change | Acquired Farmers and Merchants State Bank of Neola, Iowa Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired Kingsley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | Structure Change | Acquired Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action October 29, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in IA, rank 48 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 101 applications, 94 loans originated, $18.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Midstates Bank, N.A.
What are Midstates Bank, N.A.'s total assets?
As of the Q2 2026 filing, Midstates Bank, N.A. reported total assets of $653.9 million in its FFIEC call report.
Where is Midstates Bank, N.A. headquartered?
It is headquartered in Council Bluffs, IA, United States.
When was Midstates Bank, N.A. founded?
It was established in 1913, per the FDIC institution directory.
Is Midstates Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midstates Bank, N.A.?
Midstates Bank, N.A.'s primary federal regulator is the OCC.
What is Midstates Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Midstates Bank, N.A. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midstates Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.67% 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.
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