Midwest Independent Bankersbank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 15.93% was up 109bps from the prior quarter. Operating from Jefferson City, MO, Midwest Independent Bankersbank serves its local market as an FDIC-insured commercial bank. The Q3 2026 balance sheet stands at $352M in assets, including $264M in loans. Profitability tracks the broader industry: ROA 1.11%, ROE 7.46%, NIM 3.90%. Capital is comfortably above regulatory requirements, CET1 ratio of 15.93% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 2 branches, primarily in Missouri.
As of September 30, 2026, Midwest Independent Bankersbank reported a CET1 capital ratio of 15.93%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
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)
- Offices
- 2 domestic
- Employees (FTE)
- 33
- Domestic deposits
- $242.6M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- -$135K
- Average total assets
- $345.5M
- Average total loans
- $253.0M
- Average interest-bearing deposits
- $138.2M
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 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.
Inside the full Midwest Independent Bankersbank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Midwest Independent Bankersbank, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Midwest Independent Bankersbank rankings
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.
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 | 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
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 1 branches →
| 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
What the public regulatory sources show for Midwest Independent Bankersbank, 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
- 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 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 Independent Bankersbank
What are Midwest Independent Bankersbank's total assets?
As of the Q3 2026 filing, Midwest Independent Bankersbank reported total assets of $352.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Midwest Independent Bankersbank headquartered?
Midwest Independent Bankersbank is headquartered in Jefferson City, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Midwest Independent Bankersbank founded?
Midwest Independent Bankersbank was established in 1985, per the FDIC institution directory.
Is Midwest Independent Bankersbank FDIC-insured?
Yes. Midwest Independent Bankersbank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Midwest Independent Bankersbank's CET1 capital ratio?
Midwest Independent Bankersbank reported a Common Equity Tier 1 (CET1) capital ratio of 15.93% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Midwest Independent Bankersbank operate?
Midwest Independent Bankersbank 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?
Midwest Independent Bankersbank's Texas Ratio is 0.00% in its Q3 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.
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.
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