Midwest Bankcentre
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Data as of · sourced from FFIEC call reports. How we update
Midwest Bankcentre is an FDIC-insured commercial bank headquartered in Saint Louis, MO, established in 1906 (FDIC certificate 1058), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.07B, up 3.2% from Q2 2025, the 15th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 13.54% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1058
- Headquarters
- Saint Louis, MO
- Established
- 1906
- Total assets, Q2 2026
- $3.07B
- Assets vs Q2 2025
- +3.2%
- CET1 ratio, Q2 2026
- 13.54%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 081000676
- Holding company
- MIDWEST BANKCENTRE, INC.
- Asset rank in state
- 15th of 191 in Missouri
Problem loans are rising at Midwest Bankcentre. It reported $3.1 billion in assets at June 30, 2026, up 3.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.45% a year earlier. It funds 12.15% of its assets with Tier 1 capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 26% from a year earlier, to $10 million.
As of June 30, 2026, Midwest Bankcentre reported a CET1 capital ratio of 13.54%, a return on assets of 1.37%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 5.78%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Midwest Bankcentre is the 15th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $3.07B, loans rose 1.6% and deposits rose 0.1%. Non-owner-occupied commercial real estate loans made up 27.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.1%. Its 18 offices in the FDIC Summary of Deposits are in 12 cities in MO; its Saint Louis 7 offices book 31% of its branch deposits. On its Q2 2026 call report, Midwest Bankcentre meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2191 Lemay Ferry Rd, Saint Louis, MO 63125
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1906
- Former names
- Lemay Bank & Trust Company (1985-2000); Lemay Ferry Bank (1939-1985)
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 282
- Domestic deposits
- $2.52B
- Allowance for credit losses
- $32.9M
- Net charge-offs (YTD)
- $2.9M
- Average total assets
- $3.02B
- Average total loans
- $2.41B
- Average interest-bearing deposits
- $2.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1058
- Fed RSSD
- 657459
- SEC CIK
- 937377 → filed by STUPP BROS., INC.
- Website
- www.midwestbankcentre.com →
- Parent Holding Company
- MIDWEST BANKCENTRE, INC. (RSSD 2803719)
- Ultimate Parent
- STUPP BROS., INC. (RSSD 1094556)
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
Midwest Bankcentre's total assets moved between a low of $2.71B (Q3 2023) and a high of $3.07B (Q2 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
$3.07B total assets against $2.97B; $2.69B total liabilities against $2.64B.
$2.41B net loans and leases against $2.37B; $2.52B total deposits against $2.49B.
$335.8M securities against $292.5M; $111.5M cash and balances due against $113.1M.
$41.8M total interest income against $38.7M; $13.7M total interest expense against $14.9M.
$28.1M net interest income against $23.8M.
$4.0M total noninterest income against $3.8M; $17.0M total noninterest expense against $15.2M.
$1.9M provision for credit losses against $1.6M.
$10.3M net income against $8.2M.
1.37% return on assets against 1.13%; 3.94% net interest margin against 3.47%.
13.54% CET1 capital ratio against 12.39%; 12.15% tier 1 leverage ratio against 11.21%.
Inside the full Midwest Bankcentre 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.
Midwest Bankcentre rankings
Its closest position to the top of a national ranking is 409 of 4,196, for total assets; its furthest is 678 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2024) to 1.37% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.54% | 1.37% | 1.07% | 5.78% | 3.94% |
| Q1 2026 | 13.65% | 1.32% | 1.24% | 6.66% | 3.76% |
| Q4 2025 | 13.30% | 0.87% | 1.22% | 6.68% | 3.70% |
| Q3 2025 | 12.72% | 1.24% | 0.63% | 3.21% | 3.66% |
| Q2 2025 | 12.39% | 1.13% | 0.62% | 3.22% | 3.47% |
| Q1 2025 | 12.42% | 1.14% | 0.43% | 2.43% | 3.41% |
| Q4 2024 | 12.13% | 0.87% | 0.27% | 1.72% | 3.45% |
| Q3 2024 | 12.41% | 1.16% | 0.27% | 1.62% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 |
|---|---|---|---|
| Midwest Bankcentre (main office) | Lemay , MO | 63125 | $766.9M |
| Rising Bank Branch | Saint Louis , MO | 63125 | $249.0M |
| Oakville Branch | Saint Louis , MO | 63129 | $228.9M |
| Chesterfield Branch | Chesterfield , MO | 63017 | $211.7M |
| Bevo Branch | Saint Louis , MO | 63116 | $209.0M |
| Arnold Branch | Arnold , MO | 63010 | $170.5M |
| Fenton Branch | Fenton , MO | 63026 | $167.1M |
| Lindenwood Branch | Saint Charles , MO | 63303 | $108.6M |
| Frontenac Branch | Frontenac , MO | 63131 | $90.8M |
| Imperial Branch | Imperial , MO | 63052 | $83.9M |
| Crystal City Branch | Crystal City , MO | 63019 | $75.9M |
| Pagedale Branch | Saint Louis , MO | 63133 | $65.1M |
| Desoto Branch | De Soto , MO | 63020 | $61.7M |
| Friendly Temple Branch | Saint Louis , MO | 63112 | $24.5M |
| Dellwood Branch | Dellwood , MO | 63136 | $9.5M |
| Hazelwood Branch | Hazelwood , MO | 63042 | $0 |
| Grand Avenue Branch | Saint Louis , MO | 63111 | $0 |
| North Broadway Branch | Saint Louis , MO | 63147 | $0 |
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 |
|---|---|---|---|
| July 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2016 | Structure Change | Acquired Bremen Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 25, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 25, 2015 | Structure Change | Acquired Southern Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 21, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 15, 2005, Federal Reserve: Civil Money Penalty $2,450: Midwest Bankcentre, St. Louis, MO
- Period: Most recent institution action March 15, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in MO, rank 17 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 731 applications, 606 loans originated, $194.5M originated, across 25 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 19 loans, $21.1M approved, $1.1M 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 Bankcentre
What are Midwest Bankcentre's total assets?
As of the Q2 2026 filing, Midwest Bankcentre reported total assets of $3.07 billion in its FFIEC call report.
Where is Midwest Bankcentre headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Midwest Bankcentre founded?
It was established in 1906, per the FDIC institution directory.
Is Midwest Bankcentre FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midwest Bankcentre?
Midwest Bankcentre's primary federal regulator is the Federal Reserve.
What is Midwest Bankcentre's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Midwest Bankcentre operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midwest Bankcentre's Texas Ratio?
Its Texas Ratio is 5.78% 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 Bankcentre previously called?
The charter now named Midwest Bankcentre has also operated as Lemay Bank & Trust Company (1985-2000), Lemay Ferry Bank (1939-1985), per FDIC structure-change records.
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