Midwest Bank (Pierce, NE)
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Data as of · sourced from FFIEC call reports. How we update
Midwest Bank is an FDIC-insured commercial bank headquartered in Pierce, NE, established in 1882 (FDIC certificate 13255), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.24B, up 2.3% from Q2 2025, the 13th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.40% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13255
- Headquarters
- Pierce, NE
- Established
- 1882
- Total assets, Q2 2026
- $1.24B
- Assets vs Q2 2025
- +2.3%
- Tier 1 leverage ratio, Q2 2026
- 9.40%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 104102192
- Latest call report
- Q2 2026, FFIEC 051 · Midwest Bank call report
- Holding company
- MIDWEST BANC HOLDING CO.
- Asset rank in state
- 13th of 138 in Nebraska
Problem loans are rising at Midwest Bank. The Pierce, Nebraska bank had $1.2 billion in assets at June 30, 2026, up 2.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.10% a year earlier. It funds 9.40% of its assets with Tier 1 capital, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also grew its loan book 1.0% over the year, a small fraction of the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $3.8 million, 55% above the same quarter a year earlier. Over the same year, loans grew 1.0% and deposits grew 6.3%. Funding is the softer spot: it pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of banks its size (median 2.01%).
As of June 30, 2026, Midwest Bank reported a return on assets of 1.20%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.33%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Midwest Bank is the 13th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $1.24B, loans fell 0.4% and deposits fell 2.2%. Its loan book on June 30, 2026 was led by agricultural production loans, at 27.5% of total loans, followed by farmland and other real estate loans at 19.8%. Its 11 offices in the FDIC Summary of Deposits are in 9 cities in NE; its Norfolk 2 offices book 25% of its branch deposits. On its Q2 2026 call report, Midwest Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 114 W Main St, Pierce, NE 68767
- County
- Pierce
- Metro Area
- Norfolk, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1882
- Former names
- Midwest Bank National Association (1998-2021)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 176
- Domestic deposits
- $1.04B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $1.26B
- Average total loans
- $914.2M
- Average interest-bearing deposits
- $920.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13255
- Fed RSSD
- 669555
- Website
- www.midwest.bank →
- Parent Holding Company
- MIDWEST BANC HOLDING CO. (RSSD 1064652)
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, Midwest Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Midwest Bank's total assets moved between a low of $1.02B (Q3 2023) and a high of $1.25B (Q4 2025) 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
$1.24B total assets against $1.21B; $1.13B total liabilities against $1.12B.
$897.9M net loans and leases against $890.6M; $1.04B total deposits against $979.3M.
$226.9M securities against $194.7M; $26.7M cash and balances due against $54.4M.
$17.8M total interest income against $16.3M; $6.9M total interest expense against $7.1M.
$10.9M net interest income against $9.1M.
$1.7M total noninterest income against $1.2M; $7.8M total noninterest expense against $7.0M.
$300K provision for credit losses against $310K.
$3.8M net income against $2.4M.
1.20% return on assets against 0.82%; 3.71% net interest margin against 3.32%.
9.40% tier 1 leverage ratio against 9.21%.
Inside the full Midwest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMidwest Bank rankings
Its closest position to the top of a national ranking is 865 of 4,196, for total assets; its furthest is 2,031 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q4 2024) to 1.20% (Q2 2026) and its net interest margin ran from 2.99% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.40% | 1.20% | 0.44% | 3.33% | 3.71% |
| Q1 2026 | 9.12% | 0.98% | 0.37% | 3.05% | 3.62% |
| Q4 2025 | 9.31% | 0.83% | 0.51% | 4.24% | 3.58% |
| Q3 2025 | 9.16% | 1.00% | 0.25% | 2.07% | 3.48% |
| Q2 2025 | 9.21% | 0.82% | 0.10% | 0.85% | 3.32% |
| Q1 2025 | 9.16% | 0.79% | 0.01% | 0.05% | 3.22% |
| Q4 2024 | 9.45% | 0.70% | 0.00% | 0.02% | 3.13% |
| Q3 2024 | 9.37% | 0.74% | 0.01% | 0.09% | 2.99% |
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 |
|---|---|---|---|
| Norfolk - Admin Branch | Norfolk , NE | 68701 | $242.6M |
| Midwest Bank (main office) | Pierce , NE | 68767 | $188.0M |
| York Branch | York , NE | 68467 | $121.2M |
| Lincoln Branch | Lincoln , NE | 68512 | $111.2M |
| Creighton Branch | Creighton , NE | 68729 | $97.0M |
| Plainview Branch | Plainview , NE | 68769 | $79.9M |
| Deshler Branch | Deshler , NE | 68340 | $74.8M |
| Wisner Branch | Wisner , NE | 68791 | $53.1M |
| Pilger Branch | Pilger , NE | 68768 | $47.3M |
| Pioneer Branch | Lincoln , NE | 68516 | $13.5M |
| Midtown Branch | Norfolk , NE | 68701 | $12.7M |
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 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 30, 1998 | Structure Change | Acquired The Nebraska Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 1984 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 13, 2006, OCC: Civil Money Penalty (CMP): MidWest Bank, National Association
- Period: Most recent institution action October 13, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in NE, rank 15 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 23 loans originated, $3.4M originated, across 1 states
- Period: Calendar year 2018. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $418K approved, $70K 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 Midwest Bank
What are Midwest Bank's total assets?
As of the Q2 2026 filing, Midwest Bank reported total assets of $1.24 billion in its FFIEC call report.
Where is Midwest Bank headquartered?
It is headquartered in Pierce, NE, United States.
When was Midwest Bank founded?
It was established in 1882, per the FDIC institution directory.
Is Midwest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midwest Bank?
Midwest Bank's primary federal regulator is the Federal Reserve.
How many branches does Midwest Bank 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 Midwest Bank's Texas Ratio?
Its Texas Ratio is 3.33% 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 Midwest Bank previously called?
The charter now named Midwest Bank has also operated as Midwest Bank National Association (1998-2021), per FDIC structure-change records.
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