# MIDWEST BANKCENTRE
LEMAY, MO · FDIC certificate 1058 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.07B | |
| Deposits | $2.52B | |
| Loans and leases | $2.44B | |
| Total equity | $380.0M | |
| Loans / deposits | 95.59% (p76 of band) | 87.10% |
| Liquid assets / assets | 14.57% (p21 of band) | |
| Uninsured deposits / deposits | 26.11% (p33 of band) | 30.76% |
| Brokered deposits | 2.06% | |
| Wholesale funding | 5.82% (p49 of band) | |
| FHLB advances / assets | 3.42% | |
| Tier 1 leverage | 12.15% (p77 of band) | 10.50% |
| Unrealized securities loss / equity | -1.71% (p83 of band) | -7.75% |
| AOCI / equity | -0.77% (p24 of band) | |
| ROA (annualized) | 1.34% (p58 of band) | 1.26% |
| Net interest margin | 3.91% (p63 of band) | 3.70% |
| Efficiency ratio | 51.91% (p28 of band) | |
| Noncurrent loans | 1.07% (p75 of band) | 0.51% |
| Net charge-offs (annualized) | 0.19% (p85 of band) | |
| Reserve coverage of noncurrent | 125.85% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 71.04% (p73 of band) | |
| Auto loans | $524,000 (0.02% of loans; DQ 6.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 282 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | wholesale funding >15% | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | capital falling | wholesale funding >15% |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 | wholesale funding >15% | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 2 | capital falling | charge-offs p90 |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 2 | expense ratio p90 |  |
| 2019-06 | 2 | capital falling | wholesale funding >15% |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | expense ratio p90 |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | loans exceed deposits |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | loans exceed deposits |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | loans exceed deposits, capital falling |  |
| 2022-09 | 0 |  | loans exceed deposits, capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 1 | charge-offs p90 |  |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-30 [Lemay-based Midwest BankCentre splits CFO and COO roles following year-long transition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNa3lhdGQzamotXzU0U0F5TERfbmduazljNVlodE5nb2RRMmlWUnp4NjFodE1jemllZnlBWERPZXdkM09UYlBoMXh4VEgzSXp0ZUZ6eWdIb1Q0UTRKQVBvUDUxbjNNanQ5aXpqOFR4OVBBWTF2X2VqS0NpaU5lZGtGeWhLMGNoOTd5d1A3eU05ZHhyUFoxcXotN1Z3NF82QU5ZclZCX0xXMA?oc=5) · The Business Journals
- 2023-11-07 [Midwest BankCentre applies to open branch at Friendly Temple - St. Louis American](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPT2dBODNyaWpNa1FleFZfZTRMbl9EcHByUEg1YmNSMVpoUWF5LW5YU0pzdF9qeTFhMkppbnI0YU9zWUVxVlo1T1pvSmJudHo3WnoyX3ZQUFNMUjdMTEJJRkRmVjRYQ1ljdWhmUTA0eUZ2V0VaMDRyLUk4b3dGYmpKbmVkdFBkVXBQTExrZnFJdTZtMVNCdWRQVjR3aGxqTHNEdGxUbmZEanY?oc=5) · St. Louis American
- 2023-10-03 [Sponsored: Midwest BankCentre’s Innovation Centre in Dellwood - KSDK](https://news.google.com/rss/articles/CBMipgJBVV95cUxNY0t2bkczcnk2WTBlY2x5bTNiMDVlQ01zZVlKRmRvZmx3cGdmRDdJRi1fX1F1cXlqdkRXMExGbFlZZk1OTFU3MWk5WndoaW83Zm9LUlBoUjVZekNKWkdvWHJhenQ3Rm9Lb0g3ZG1jYi16SE14anFfMndPWERWYm1sMGZETzIyU2JLa2RXQ2JTQzRIM2sxanJSdW45ZlhUeVBQM0tCeWo5SlI4RlctelhIYnJ5NTc1U3lhZkJVZ0NiRjZUdFBDTHhhMDJ6UVhGbXJVbWk0a09mcllvaUtaT1ViWnVIVEpYbjZfLVE0Sm41dExJUm1mZGJvU0NOMS1HNzkzOEJGcTNUc0w5MElWb21CUkVXdk5KYWJsQjZOVXQzWDVUOE1FdVE?oc=5) · KSDK
- 2021-06-22 [Midwest BankCentre names CFO to its legal board of directors - Illinois Business Journal](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZ3Byc1pmQldoWFliVGQzYlhKeEs2Y2ZKWldpaW53M3ZVT1E1NVRvMTBoUUdIWVpHaTZCRVNVbGFZS1Q5cnBidkY0MjkyTXpQdjd4X0hLSm9LZEZmNUJ5dWN6TFpVc2pVX0RSWHJETnhMV0JnTlA4LUlrSktoUlRBSFFkOXZnalJzajRMMVN5a2JpODlSb2QxWjQ4YmcwZlk?oc=5) · Illinois Business Journal
- 2019-02-04 [RISING BANK, New Digital Bank Created by Midwest BankCentre Launches Today, Offering Exceptional Interest Rates, Customer Service and Easy-to-use Digital Banking Platform - PRWeb](https://news.google.com/rss/articles/CBMiuAJBVV95cUxOekh1enUtazJ3TDBiSEkyaXE3SVUtOERCREJSV1ZDdUpYSUcyQV90MlRJX1lQdFdJbkJUS0ZuU1NzcXJzMW56Tks1WnNLdjc5azU5YlY1TE1mWmFyZ2xmTkRNTE04cnh1MElfQ1BncGxpSEJHNEZOc0hiRlctU2oxVzhCOGVIZHgtUnJYdGVOaEdOZ3lqVy1uV3NEcUpzU2RWdnN2d0hzVG9idlIyWDFJY1JVR0cxMFJaWlNreWJFT1VWdEd4UnFhTW0xOE1KMzdwUDJqel9NNVU4cHNSdkxxdE8xRHRrWXpmbmJybzFHU2pHMDNnNHZQd2lwYVp5SkZvdTljSDBpNHRUaVQ1bVpLTHNTOU1fMmRHOXR4WUFUeTlZdWljSXhlaGZpMU5IUDQ2bEk5N0dVcjI?oc=5) · PRWeb
- 2025-11-10 [Midwest BankCentre opens Bevo neighborhood branch - St. Louis American](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNGswdTFmR0hORmFhcDFnVGxYZkkxXzhLa3NRcjB3NjV1SVB1Qi1uc0lvS2lYVUpiMW81eUFTTW1ZSU02ak9aODR3RW04RDNpNWMxTjFlYWVuSXVzV05RSzdVbVRMX2NYbmRiQkdNcDdyeWRjNUVXM0dSdzJUejltdmdnZDVJR1dnOWVzSl9fRzE?oc=5) · St. Louis American
- 2024-10-01 [Sponsored: How Midwest BankCentre, Beyond Housing are making an impact in Pagedale - KSDK](https://news.google.com/rss/articles/CBMilwJBVV95cUxNOUpJenUxcjNKOEhpZ01iOS1OUm80VWV1Wnp5VjhmYlU3OW9qdmpiOXlsbkJ2blp1S09VSnhKZlYxaURBVzZoUWdwRHBVMmhERVJpMGpkWmlEZjNUSzZsenh6VldxX0EtUndENDQtQVU2c0k5MzFZci1nTm1ueW9lVmxnWXZtQUNpOE0tdFRRYmFQMjREZmpKeDNLVm9LQU13MW1iczhCRXM4dGJBVVdla181VktxQllnREg1VGhlUjhPR0RTRndKV0Z6TGVnT3pDNHJ6Z3pNWEE3V1NIN0I5NlFSc1NJSmZZRUQtbndlTzExb2p5WjNNRFltQndyTkM5ejlPWU15WEt3eW5mN0JBSk1OZ1lLenc?oc=5) · KSDK
- 2020-11-03 [Midwest BankCentre names senior VP of marketing - Illinois Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxPOVVaN2tqRzZqQzNSeTBoOWFWNzk4WlBuY1BwMEhMNVVBUXZNdjZzSW50LWRYWEtQbWNJblB3cU1IVnBxeFp2WnU1U21hdS1zdl9yVzVQUzVIT0FDc1JfczF2OVQwZ0FmbXo5bUozekNUUmJybTZYbUh1eElkYzBfaUFjLXR0MkJadmtWSFJ3?oc=5) · Illinois Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1058 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "1058", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide