Midwest Regional Bank
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Data as of · sourced from FFIEC call reports. How we update
Midwest Regional Bank is an FDIC-insured commercial bank headquartered in Clayton, MO, established in 1894 (FDIC certificate 8889), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $949.0M, down 15.5% from Q2 2025, the 39th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.40% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8889
- Headquarters
- Clayton, MO
- Established
- 1894
- Total assets, Q2 2026
- $949.0M
- Assets vs Q2 2025
- -15.5%
- CET1 ratio, Q2 2026
- 11.40%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 081019447
- Latest call report
- Q2 2026, FFIEC 051 · Midwest Regional Bank call report
- Holding company
- MIDWEST REGIONAL BANCORP, INC.
- Asset rank in state
- 39th of 191 in Missouri
Problem loans are rising at Midwest Regional Bank. It reported $949 million in assets at June 30, 2026, down 15.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.14% of loans from 4.66% a year earlier. It loses about $3.50 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also pays an average of 3.19% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
It lost $8.4 million in the quarter. Delinquency has appeared in its $141 million non-owner-occupied commercial real estate book: 4.48% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for banks its size.
As of June 30, 2026, Midwest Regional Bank reported a CET1 capital ratio of 11.40%, a return on assets of -3.50%, a nonperforming-loan ratio of 6.61% and a Texas ratio of 41.44%. The figures come from its call report filed with the FFIEC.
Midwest Regional Bank ranks as the 39th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.1% to $949.0M, loans fell 4.6% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 24.9% of total loans, followed by construction and land development loans at 21.1%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in MO; its Festus office books 30% of its branch deposits. Judged on its Q2 2026 call report, Midwest Regional Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 135 N Meramec Ave, Clayton, MO 63105
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 13, 1894
- Former names
- The Bank of Otterville (1974-2009)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 136
- Domestic deposits
- $840.1M
- Allowance for credit losses
- $19.4M
- Net charge-offs (YTD)
- $12.2M
- Average total assets
- $956.7M
- Average total loans
- $790.6M
- Average interest-bearing deposits
- $770.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8889
- Fed RSSD
- 691958
- SEC CIK
- 1469139 → filed by MIDWEST REGIONAL BANCORP, INC.
- Website
- www.mwrbank.com →
- Parent Holding Company
- MIDWEST REGIONAL BANCORP, INC. (RSSD 3595020)
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 Regional Bank's total assets moved between a low of $949.0M (Q2 2026) and a high of $1.12B (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$949.0M total assets against $1.12B; $849.1M total liabilities against $1.01B.
$747.0M net loans and leases against $908.5M; $840.1M total deposits against $982.9M.
$45.4M securities against $44.2M; $68.1M cash and balances due against $64.9M.
$14.8M total interest income against $18.2M; $6.7M total interest expense against $9.3M.
$8.1M net interest income against $8.9M.
$1.9M total noninterest income against $2.5M; $6.9M total noninterest expense against $9.4M.
$13.8M provision for credit losses against $2.0M.
-$8.4M net income against $7K.
-3.50% return on assets against 0.00%; 3.56% net interest margin against 3.39%.
11.40% CET1 capital ratio against 10.48%; 10.23% tier 1 leverage ratio against 9.73%.
Inside the full Midwest Regional Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Midwest Regional Bank rankings
Its closest position to the top of a national ranking is 26 of 3,640, for Texas Ratio; its furthest is 3,599 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.50% (Q2 2026) to 0.97% (Q3 2024) and its net interest margin ran from 2.95% (Q1 2025) to 3.63% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.40% | -3.50% | 6.61% | 41.44% | 3.56% |
| Q1 2026 | 12.22% | 0.66% | 6.17% | 36.73% | 3.34% |
| Q4 2025 | 11.58% | -0.03% | 5.62% | 36.19% | 3.53% |
| Q3 2025 | 11.18% | 0.34% | 5.01% | 37.24% | 3.63% |
| Q2 2025 | 10.48% | 0.00% | 4.66% | 36.97% | 3.39% |
| Q1 2025 | 10.72% | 0.52% | 5.44% | 42.24% | 2.95% |
| Q4 2024 | 10.28% | 0.96% | 2.11% | 17.90% | 3.04% |
| Q3 2024 | 10.19% | 0.97% | 0.76% | 6.71% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Festus Branch | Festus , MO | 63028 | $250.2M |
| Arnold Branch | Arnold , MO | 63010 | $134.5M |
| Sunset Hills Branch | Saint Louis , MO | 63127 | $133.4M |
| Midwest Regional Bank - Kirkwood Branch | Kirkwood , MO | 63122 | $103.7M |
| Chesterfield Branch | Chesterfield , MO | 63005 | $76.2M |
| East Grover Street Branch | Otterville , MO | 65348 | $72.0M |
| Midwest Regional Bank (main office) | Clayton , MO | 63105 | $70.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 55 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 19 loans originated, $5.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 87 loans, $98.5M 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
- Enforcement actions, 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 Regional Bank
What are Midwest Regional Bank's total assets?
As of the Q2 2026 filing, Midwest Regional Bank reported total assets of $949.0 million in its FFIEC call report.
Where is Midwest Regional Bank headquartered?
It is headquartered in Clayton, MO, United States.
When was Midwest Regional Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Midwest Regional Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midwest Regional Bank?
Midwest Regional Bank's primary federal regulator is the FDIC.
What is Midwest Regional Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.40% in its Q2 2026 call report, above regulatory requirements.
How many branches does Midwest Regional Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midwest Regional Bank's Texas Ratio?
Its Texas Ratio is 41.44% 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 Regional Bank previously called?
The charter now named Midwest Regional Bank has also operated as The Bank of Otterville (1974-2009), per FDIC structure-change records.
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