Midwest Heritage Bank, FSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 14.55% was down 293bps from the prior quarter. Operating from West Des Moines, IA, Midwest Heritage Bank, FSB serves its local market as an FDIC-insured commercial bank. Midwest Heritage Bank's Q2 2026 balance sheet shows $768M in assets funded primarily by $650M in customer deposits. Profitability is strong, 2.43% ROA, paired with 19.48% ROE and a 4.05% net interest margin. Regulatory capital is solid, 14.55% CET1 and 15.81% total risk-based capital ratio. Credit conditions bear watching: 1.74% NPL ratio with a 10.79% Texas Ratio (elevated but below the 100% concern level). Its footprint covers 13 branches concentrated in Iowa.
As of June 30, 2026, Midwest Heritage Bank, FSB reported a CET1 capital ratio of 14.55%, a return on assets of 2.43%, a nonperforming-loan ratio of 1.74%, a Texas ratio of 10.79%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3580 Ep True Pkwy, West Des Moines, IA 50265
- County
- Polk
- Metro Area
- Des Moines-West Des Moines, IA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- April 1, 1930
- Offices
- 13 domestic
- Employees (FTE)
- 164
- Domestic deposits
- $649.6M
- Allowance for credit losses
- $8.0M
- Net charge-offs (YTD)
- $31K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 9, 1995
- FDIC Cert
- 4432
- Fed RSSD
- 203043
- Website
- www.midwestheritage.com →
- Parent Holding Company
- NBT, INC. (RSSD 5880065)
- Ultimate Parent
- HY-VEE, INC. (RSSD 1200852)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Midwest Heritage Bank, FSB: ROA.
Quarterly trend: last 8 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 |
|---|---|---|---|---|---|
| Q2 2026 | 14.55% | 2.43% | 1.74% | 10.79% | 4.05% |
| Q1 2026 | 17.48% | 0.92% | 1.58% | 8.75% | 3.89% |
| Q4 2025 | 16.54% | 1.57% | 1.52% | 8.77% | 3.74% |
| Q3 2025 | 16.46% | 1.40% | 0.00% | 7.11% | 3.76% |
| Q2 2025 | 16.95% | 1.84% | 0.01% | 0.59% | 3.81% |
| Q1 2025 | 16.09% | 2.71% | 0.01% | 1.68% | 3.38% |
| Q4 2024 | 14.75% | 2.16% | 0.02% | 0.55% | 3.22% |
| Q3 2024 | 14.61% | 1.29% | 0.01% | 0.42% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Midwest Heritage Bank, FSB (main office) | West Des Moines , IA | 50265 | $173.1M |
| Iowa Savings Branch | Carroll , IA | 51401 | $158.5M |
| Chariton Branch | Chariton , IA | 50049 | $115.6M |
| Iowa Savings BankCoon Rapids Branch | Coon Rapids , IA | 50058 | $71.3M |
| Urbandale Branch | Urbandale , IA | 50322 | $24.9M |
| Wdm 3 Hv Branch | West Des Moines , IA | 50266 | $20.1M |
| Ames Branch | Ames , IA | 50010 | $19.7M |
| Windsor Heights Branch | Windsor Heights , IA | 50324 | $18.7M |
| 106 North Illinois St Branch | Lake City , IA | 51449 | $17.7M |
| Grimes Branch | Grimes , IA | 50111 | $11.2M |
| Glidden Branch | Glidden , IA | 51443 | $9.8M |
| Fleur Drive | Des Moines , IA | 50321 | $8.9M |
| Overland Park Hy-Vee Branch | Overland Park , KS | 66221 | $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 |
|---|---|---|---|
| April 27, 2026 | M&A | merger | SEC |
| April 27, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 27, 2026 | Structure Change | Acquired Iowa Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1990 | M&A | failure_government_assistance_provided | SEC |
| September 8, 1990 | Structure Change | Acquired Firstcentral Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 7, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Midwest Heritage Bank, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in IA, rank 42 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 328 applications, 228 loans originated, $63.0M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Midwest Heritage Bank, FSB
What are Midwest Heritage Bank, FSB's total assets?
As of the Q2 2026 filing, Midwest Heritage Bank, FSB reported total assets of $768.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Midwest Heritage Bank, FSB headquartered?
Midwest Heritage Bank, FSB is headquartered in West Des Moines, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Midwest Heritage Bank, FSB founded?
Midwest Heritage Bank, FSB was established in 1930, per the FDIC institution directory.
Is Midwest Heritage Bank, FSB FDIC-insured?
Yes. Midwest Heritage Bank, FSB is an FDIC-insured commercial bank (FDIC Certificate #4432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Midwest Heritage Bank, FSB?
Midwest Heritage Bank, FSB'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 Midwest Heritage Bank, FSB's CET1 capital ratio?
Midwest Heritage Bank, FSB reported a Common Equity Tier 1 (CET1) capital ratio of 14.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Midwest Heritage Bank, FSB operate?
Midwest Heritage Bank, FSB operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Midwest Heritage Bank, FSB's Texas Ratio?
Midwest Heritage Bank, FSB's Texas Ratio is 10.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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