BanksMidstates Bank, N.A.

Midstates Bank, N.A.

COUNCIL BLUFFS, IAMediumEst. Jan 1, 1913FDIC #4465RSSD #728948OCC

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Midstates Bank, N.A. is a locally rooted FDIC-insured community bank based in Council Bluffs, IA. The Q1 2026 balance sheet stands at $631M in assets, including $429M in loans. Returns are notably above industry norms: 1.35% ROA, 13.12% ROE, and 3.75% NIM. Capital cushions are healthy: 16.57% CET1, 11.80% Tier 1 leverage. Asset quality is pristine — 0.34% NPLs and a 1.96% Texas Ratio. 10 branches make up the footprint.

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
Fed District: 11
Established: January 1, 1913
Branches: 10 domestic
Employees (FTE): 92
FDIC Cert: 4465
Fed RSSD: 728948
Website: www.midstatesbank.com →
Parent Holding Company: MIDSTATES BANCSHARES, INC. (RSSD 1825367)

Assets

$631M

Deposits

$543M

Loans

$429M

Equity

$66M

Profitability

Return on Assets1.35%

Return on Equity13.12%

Net Interest Margin3.75%

Yield on Earning Assets4.98%

Cost of Funds1.38%

Asset Quality

Non-Performing Loan Ratio0.34%

Net Charge-Off Ratio0.05%

Texas Ratio1.96%

Non-Performing Asset Ratio0.23%

ACL / Loans2.13%

Capital & Liquidity

CET1 Capital Ratio16.57%

Tier 1 Capital Ratio16.57%

Total Capital Ratio17.83%

Tier 1 Leverage Ratio11.80%

Loan-to-Deposit Ratio79.01%

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Midstates Bank, N.A. rankings

How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.

Largest US Banks by Assets

#1,599of 4,552

631356.00 · 65th pct

US Banks with Highest Return on Assets (ROA)

#1,532of 3,912

1.35% · 61th pct

US Banks with Highest CET1 Capital Ratio

#718of 2,425

16.57% · 70th pct

US Banks with Highest Texas Ratio

#2,638of 3,908

1.96% · 33th pct

Most Efficient US Banks (Lowest Efficiency Ratio)

#988of 3,911

53.20% · 75th pct

Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

Quarter	CET1	ROA	NPL	Texas	NIM
2026-03-31	16.57%	1.35%	0.34%	1.96%	3.75%
2025-12-31	16.56%	1.53%	0.21%	1.67%	4.32%
2025-09-30	16.44%	1.18%	0.74%	4.33%	3.51%
2025-06-30	16.30%	0.98%	0.75%	4.66%	3.42%
2025-03-31	15.90%	1.01%	0.99%	6.55%	3.30%
2024-12-31	15.56%	0.73%	0.77%	5.49%	3.09%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

…

Branch	Location	ZIP	Deposits
Loading branches…

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.

Structure ChangeAug 30, 2019
Charter Discontinued (Merger or Purchase & Assumption)
FFIEC NIC
MergerAug 30, 2019
Participated in Absorption/Consolidation/Merger
FDIC
Structure ChangeMay 1, 2019
Charter Discontinued (Merger or Purchase & Assumption)
FFIEC NIC
MergerMay 1, 2019
Participated in Absorption/Consolidation/Merger
FDIC
Structure ChangeJan 1, 1997
Charter Discontinued (Merger or Purchase & Assumption)
FFIEC NIC
MergerDec 31, 1996
Participated in Absorption/Consolidation/Merger
FDIC
FailureMar 19, 1992
Failure / assisted resolution
FDIC FAILURES

Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.

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Compare Midstates Bank, N.A. with peers

Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.

Midstates Bank, N.A. vs MT. Mckinley Bank

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Midstates Bank, N.A. vs First Bank, Upper Michigan

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Midstates Bank, N.A. vs Four Corners Community Bank

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Midstates Bank, N.A. vs First State Bank

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Midstates Bank, N.A. vs Farmers Trust and Savings Bank

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Frequently asked about Midstates Bank, N.A.

What are Midstates Bank, N.A.'s total assets?

As of the Q1 2026 filing, Midstates Bank, N.A. reported total assets of $631.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Midstates Bank, N.A. headquartered?

Midstates Bank, N.A. is headquartered in COUNCIL BLUFFS, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was Midstates Bank, N.A. founded?

Midstates Bank, N.A. was established in 1913, per the FDIC institution directory.

Is Midstates Bank, N.A. FDIC-insured?

Yes. Midstates Bank, N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

What is Midstates Bank, N.A.'s CET1 capital ratio?

Midstates Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 16.57% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does Midstates Bank, N.A. operate?

Midstates Bank, N.A. operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is Midstates Bank, N.A.'s Texas Ratio?

Midstates Bank, N.A.'s Texas Ratio is 1.96% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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