# MIDWEST BANK
PIERCE, NE · FDIC certificate 13255 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.24B | |
| Deposits | $1.04B | |
| Loans and leases | $912.3M | |
| Total equity | $109.3M | |
| Loans / deposits | 86.23% (p48 of band) | 87.10% |
| Liquid assets / assets | 21.73% (p52 of band) | |
| Uninsured deposits / deposits | 34.64% (p60 of band) | 30.76% |
| Brokered deposits | 3.70% | |
| Wholesale funding | 10.18% (p65 of band) | |
| FHLB advances / assets | 6.47% | |
| Tier 1 leverage | 9.40% (p21 of band) | 10.50% |
| Unrealized securities loss / equity | -12.42% (p34 of band) | -7.75% |
| AOCI / equity | 0.65% (p94 of band) | |
| ROA (annualized) | 1.10% (p38 of band) | 1.26% |
| Net interest margin | 3.69% (p49 of band) | 3.70% |
| Efficiency ratio | 62.56% (p62 of band) | |
| Noncurrent loans | 0.44% (p44 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 356.51% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 29.50% (p30 of band) | |
| Auto loans | $7.7M (0.84% of loans; DQ 1.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 176 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 2 | securities losses >30% of equity |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | wholesale funding >15% |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | wholesale funding >15% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-05 [First Bank Richmond, The Farmers Bank reveal post-acquisition branding - Inside INdiana Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxNRmpfMVdvMExwd1NLMG53ODdFajZ6TmpHSFRkNDhFUVNadFdVZFNieHJlQ2hmYkllQmY3TXdTNjdBeDVjSmFrVXdBeUtvZDgtbHZWNlh1elBKUVpmbzlnYnV2LXdoTTRvd2VzU2VRSnlYUmgyTmJyNFhlaG1XdXhGa1R3UWtEVEVqOTlyWmw1YmxXdFZoaGcwZ2Z2Z1FXbmR1NzVHZEpld3p1NE1QbW1BSG5ON2g5d1U?oc=5) · Inside INdiana Business
- 2025-12-01 [Associated Bank to buy Nebraska lender for $604M - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxOY25ycjNIMTNqUXRPeXZCejFHdHp6eGRTMGtZUGM2dnZtYnBpT1RwZHNVX3l4Z0l6OHctZnZ2MEJ5V2YzaVUxUVVjejR0MmY0WWRXcWJsN1F6ZTByVTUxWUc3dzZRekR4TGN2LTFNNEgyTzZfeERaYUowalY4MDlXdU5aQ2hzSDY4THBMNWx0SHA0bmh3c1NjeW5xaHZENFZ1bUFSWF9RaER4Y3Zaa1E?oc=5) · Banking Dive
- 2025-08-21 [Midwest Bank breaks ground on new Detroit Lakes location - Detroit Lakes Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxPemRkWXpOc09haVlIUFVvUkFSYmsxWFQzYjB1c0RMcmplS2JkWDdLQUNOcUI2ZmZLLXlpTU9CSDJUYXRkNW0yUTBEdFYzNWFGR1R1WmMtVUpaTVhWU0NCQTFqZmEyOVZsZEdnYjdGMzUtWlZ5cHNWT0NsazRiZjRHYmZaX19CV1V1QzIwbVRHNzJTZzZZa3h0Zg?oc=5) · Detroit Lakes Tribune
- 2022-03-10 [Midwest Bank’s new headquarters helps company adapt to growth - The Norfolk Daily News](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPcWdIYjR5NzRLek1GRjR0X2FxN19sekd2TXZmU0xQaThGVEVjN193c3h6RXBKM2EzbkVNR3dlN0otR1NVMkFoblZDZDM0dHBWXzFuOHhIWFNTMU1LR3BSNEl1cTkzUTFYWDB5c2h6M0pqeE10eXgtOFRJU1Z4SVhVYW1icF9aYnprUEZSZG9va2hEY2NfOGhKVzJzTEFzMTgtZUYzWU5wR180clUyZXpQV2hKOGtQcTAtSGRmTjZMZUZCdGhEMHVTNUhuSlg2amtUWFEwa2FwWDJWM3ZMWFJrZkVQQ2IwUm8?oc=5) · The Norfolk Daily News
- 2021-06-01 [First Midwest Bank name to vanish in $6.5 billion merger with Indiana-based Old National - Chicago Tribune](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPdlc4bWNGaU95QnlaY1FCQ2JUUS0wLWFMR2FmVl9QSUVjdm1FTkV6UndTQ0t5M3RodF9FeDFEQ3dFN3EwSGdCVVdaNGVHOU44YWNwcGpRTFh3amZNd2VyOFRzaDZBeWJIQ3cySExZdjlXUTNuN20wRk5NcFBoR25GTnZwY2RaZFBJR0FxSk1pZGdZc3R6eGdCVE5lN1FKNkZHeWU1TXJ1QlhDTWgycy1vbG10TlUxdVRwZHRhbXg4T3pWdU96SGFjaA?oc=5) · Chicago Tribune
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-07-17 [Midwest bank to build branch in Kenosha Innovation Neighborhood - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWlZPM1g4aUFrMEJVQURrNFF2SkNmZEdCaUFtVGplamRCX25zT2szYlJhM0FnV2gwbDZsMHEtNTRJRlA5RFJpWWdyc3dyVFlhSjNvdUZnTUkxSWNWdGdMdWJpZlNsQmpoMVpvLVhWbHFaQnNYcGxDTXJXbXNSekY3QThBX3NtWjNRRHVMQ0NLV3FYQ2otY0R4ZmU1WWRfRXZ2bmlUU3F3?oc=5) · The Business Journals
- 2023-01-18 [Evansville-based Old National Bank unveils division targeting high net-worth customers - Courier & Press](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQc3lvYTlZX0k3Yi1wQXFkVFJySDV3bXZGTkFYaXFqSHhLZGh3N3VXeG16WXA0cnM5NkYxcUp4WWNMTXhMVUxCSkJ4dGxEdGJWRjBfZENHZFlmelJVeGZMU3ZVaDVpYUxkY09MQmdjWEJwV283Vk05SXlLZ3A2ZWpVNGRDSkljNjNBRzZoUHZVYWxfd2x3QThDSmhWdHdBU3lvLUVtMXJkOEM2Y2lhWVFLUk4tWmNscWNWekdoQWo3OXJ5a05qak85VG8xTUJyVTVqY2VrbGlWMWRySHFURjBJWFFkbXpNRkxvOVNfWWNENENYdw?oc=5) · Courier & Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13255 (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/7.json (key "13255", 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.

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