Midwest Independent Bankersbank
BankRegReports is independent of Midwest Independent Bankersbank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Midwest Independent Bankersbank is an FDIC-insured commercial bank headquartered in Jefferson City, MO, established in 1985 (FDIC certificate 25849), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $341.4M, down 0.9% from Q2 2025, the 92nd largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 16.43% 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
- 25849
- Headquarters
- Jefferson City, MO
- Established
- 1985
- Total assets, Q2 2026
- $341.4M
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 16.43%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 086505273
- Latest call report
- Q2 2026, FFIEC 051 · Midwest Independent Bankersbank call report
- Holding company
- MIDWEST INDEPENDENT BANCSHARES, INC.
- Asset rank in state
- 92nd of 191 in Missouri
Midwest Independent Bankersbank, based in Jefferson City, Missouri, reported $341 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also lost 11.2% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Earnings fell sharply: quarterly net income of $1.1 million was 31% below a year earlier. Over the same year, loans shrank 3.4% and deposits shrank 11.2%.
As of June 30, 2026, Midwest Independent Bankersbank reported a CET1 capital ratio of 16.43%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Midwest Independent Bankersbank is the 92nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $341.4M, loans fell 5.6% and deposits fell 4.7%. Loans to nondepository financial institutions made up 47.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 15.4%. Its one office in the FDIC Summary of Deposits is in Jefferson City, MO. On its Q2 2026 call report, Midwest Independent Bankersbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 910 Weathered Rock Rd, Jefferson City, MO 65101
- County
- Cole
- Metro Area
- Jefferson City, MO
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 7, 1985
- Former names
- Midwest Independent Bank (1994-2020)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $259.4M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- -$90K
- Average total assets
- $336.0M
- Average total loans
- $245.8M
- Average interest-bearing deposits
- $155.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 7, 1985
- FDIC Cert
- 25849
- Fed RSSD
- 977250
- SEC CIK
- 1529093 → filed by MIDWEST INDEPENDENT BANCSHARES, INC.
- Website
- www.mibanc.com →
- Parent Holding Company
- MIDWEST INDEPENDENT BANCSHARES, INC. (RSSD 1142309)
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 Independent Bankersbank's total assets moved between a low of $313.9M (Q1 2024) and a high of $359.2M (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
$341.4M total assets against $344.4M; $290.5M total liabilities against $297.3M.
$238.9M net loans and leases against $247.6M; $259.4M total deposits against $292.3M.
$20.9M securities against $26.0M; $62.3M cash and balances due against $52.0M.
$4.5M total interest income against $4.7M; $1.3M total interest expense against $1.7M.
$3.2M net interest income against $3.0M.
$1.9M total noninterest income against $2.0M; $3.6M total noninterest expense against $2.9M.
$0 provision for credit losses against $0.
$1.1M net income against $1.6M.
1.28% return on assets against 1.82%; 3.97% net interest margin against 3.67%.
16.43% CET1 capital ratio against 14.51%; 15.26% tier 1 leverage ratio against 13.92%.
Inside the full Midwest Independent Bankersbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMidwest Independent Bankersbank rankings
Its closest position to the top of a national ranking is 652 of 2,134, for CET1 ratio; its furthest is 3,451 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q3 2024) to 1.94% (Q4 2025) and its net interest margin ran from 3.37% (Q3 2024) to 4.05% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.43% | 1.28% | 0.00% | 0.00% | 3.97% |
| Q1 2026 | 15.33% | 1.55% | 0.00% | 0.00% | 4.05% |
| Q4 2025 | 14.92% | 1.94% | 0.00% | 0.00% | 3.94% |
| Q3 2025 | 14.87% | 1.90% | 0.00% | 0.00% | 3.86% |
| Q2 2025 | 14.51% | 1.82% | 0.00% | 0.00% | 3.67% |
| Q1 2025 | 14.09% | 1.63% | 0.00% | 0.00% | 3.55% |
| Q4 2024 | 14.74% | 1.57% | 0.00% | 0.00% | 3.54% |
| Q3 2024 | 15.82% | 1.28% | 0.00% | 0.00% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Independent Bankersbank (main office) | Jefferson City , MO | 65101 | $259.4M |
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 31, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2011 | Structure Change | Acquired Nebraska Bankers' 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 28, 2009, Federal Reserve: Written Agreement: Midwest Independent Bancshares, Inc., Jefferson City, Missouri; Midwest Independent Bank, Jefferson City, Missouri
- Period: Most recent institution action August 28, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 122 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Midwest Independent Bankersbank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Midwest Independent Bankersbank
What are Midwest Independent Bankersbank's total assets?
As of the Q2 2026 filing, Midwest Independent Bankersbank reported total assets of $341.4 million in its FFIEC call report.
Where is Midwest Independent Bankersbank headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Midwest Independent Bankersbank founded?
It was established in 1985, per the FDIC institution directory.
Is Midwest Independent Bankersbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midwest Independent Bankersbank?
Midwest Independent Bankersbank's primary federal regulator is the Federal Reserve.
What is Midwest Independent Bankersbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Midwest Independent Bankersbank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midwest Independent Bankersbank's Texas Ratio?
Its Texas Ratio is 0.00% 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 Independent Bankersbank previously called?
The charter now named Midwest Independent Bankersbank has also operated as Midwest Independent Bank (1994-2020), per FDIC structure-change records.
Go deeper on Midwest Independent Bankersbank.
Get an email when Midwest Independent Bankersbank files its next call report, and benchmark it against any peer you choose.
Unlock Midwest Independent Bankersbank, freeFree account