# MIDWESTONE BANK
IOWA CITY, IA · FDIC certificate 14843 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**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 | $6.25B | |
| Deposits | $5.48B | |
| Loans and leases | $4.54B | |
| Total equity | $702.8M | |
| Loans / deposits | 81.87% (p37 of band) | 86.41% |
| Liquid assets / assets | 21.91% (p53 of band) | |
| Uninsured deposits / deposits | 37.65% (p67 of band) | 31.00% |
| Brokered deposits | 3.20% | |
| Wholesale funding | 3.28% (p35 of band) | |
| FHLB advances / assets | 0.08% | |
| Tier 1 leverage | 10.50% (p53 of band) | 10.37% |
| Unrealized securities loss / equity | -8.76% (p43 of band) | -7.29% |
| AOCI / equity | 4.08% (p63 of band) | |
| ROA (annualized) | 1.12% (p50 of band) | 1.12% |
| Net interest margin | 3.63% (p53 of band) | 3.59% |
| Efficiency ratio | 56.69% (p37 of band) | |
| Noncurrent loans | 0.70% (p64 of band) | 0.50% |
| Net charge-offs (annualized) | 0.30% (p88 of band) | |
| Reserve coverage of noncurrent | 166.38% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 41.00% (p41 of band) | |
| Auto loans | $13.0M (0.29% of loans; DQ 0.69%, NCO 0.00%) | |
| Loans to nondepository financials | $14.9M (2% of equity) (p79 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 752 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | losing money | reserve under noncurrent |
| 2020-06 | 1 | capital falling | losing money |
| 2020-09 | 2 | losing money |  |
| 2020-12 | 0 |  | capital falling, losing money |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | capital falling, NIM <2.5% |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 | losing money | capital falling, NIM <2.5% |
| 2024-12 | 1 |  | securities losses >30% of equity |
| 2025-03 | 1 | assets shrinking | losing money |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | charge-offs p90 | assets shrinking |
| 2025-12 | 0 |  | charge-offs p90 |

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

- 2026-02-18 [Nicolet Bankshares completes merger with MidWestOne Financial Group - Corridor Business Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxPa0pKUlMwTmREQWtxOU5ycVdUWnRwbm1tU2NYU0FHUHJnTk0tSFdSaVY0MGItTnoyVTg3bVRJZXIyeDMweExhdjBoR0V0bUlmMEg2OVBBQTNLSVFCOHdHMGFUSmQxcDZFVzBaenYyYWZOcEtQN3pNZDIxVjVTcWNwUjNadVlqMDF6NGF6My1aWDB4ZHBGZG1PMnR3REcxZw?oc=5) · Corridor Business Journal
- 2026-07-31 [MidWestOne Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE9iTzl3RTBWVHFGbGtabGhweW12eW1BSng4OGdGaGdBVEx2dUxreDVpdW5YaVpuNEFZanlJWWtGWHBUWHNRM2JIUEdzYWM1aGlyc24wbk9nYjNTLUxzVFJuU0FReEh3S3AwazBwdFJXZHY?oc=5) · reveliolabs.com
- 2026-03-07 [Nicolet Bankshares and MidWestOne Financial Group announce merger - thegazette.com](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOQkdabVhqOWFES1B1c0xLVXJGUThQc0V0dk1GTlV3ZnFfMUkza1JqTGs5d2tCVnFrc21LUjFETFlURmp1dlB2QUdFWTVpOWphUlJMZXFwa2Q4Z0FCM3BPRG5Oa1pDNHVfREpQZjNUajdwTV8wNUNxWC1Zbk5VZGFYUEpqbU5XVTlWQnNqZWtYOFNBNFFJaGRoaXpoVzRpMmxhRmlZdzZwOTh5NXdRQnJpejNMX3EtYlpTa0lleGNNWXl4OVNXV25rTFdka1dJZC1BYjM2YkNDQmNkWGh5TkJya3J3WWx5dw?oc=5) · thegazette.com
- 2026-07-30 [New signage up, MWOB moves closer to Nicolet transition - oskaloosa.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPOXpfQkNDUlBLdEJGTGQ5clR6NWNVV1I0T0NnUVMxRER5aDBPUkMwV1ZJd1dONl9BbFlpUW1NSjlrN2pQdlgxVl9zN0VHU0xTUXF0aEpRc09XbUtQRHdfanRCTFVwZV9XTDFWdm0ycVZZanVaZ1VIdHZ0MlBTeUZPQ1YzRFVyc1Y5S3VrbGY5dkxWOXhkTmRsUWExdHV4OG9JX1p5VERZQXZXV3FKMHl0dElxRVB2UHYzNG9pQm1KM2VPd2ZYMWdEempEMGE0N2Vjd2tFakduWldOMjJwMmgw?oc=5) · oskaloosa.com
- 2025-10-23 [Wisconsin bank to buy Iowa City's MidWestOne Bank in 'transformational' $864M deal - Iowa City Press-Citizen](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQdzlSRk50LUxKQ3hlVF9vMmV5ZDJIM2xqOEJVRUhwNHpqa3Z1Qlhkdlh2MFFGOFota0NLd1ozSGVYZ19iWkx1R3NKVTJkQ1ZoWnVpTUtHQkR0Tm0yR0FVYkN6RnFqM29yVFZvZmljcWxfbDJneXEtclFqUS1tTlJwMG5XS2ZjR19hdlV0WGVTNHQwYUdQZ0ZwYXl0V0xOVnR1alFlWG0zZ1BSZ0xiSXFOUmFRVjNvR1RiT3RYZkVzZkxtdw?oc=5) · Iowa City Press-Citizen
- 2025-11-10 [Wisconsin bank's planned merger would create a $15B institution - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYXNtM3FuVUMwbURMNUJPMDZIMHgybl82bG1jaVlXWUpVY1pTaG4yNWpEWVFObDlyNjB2SllxVThhaWJrTXNPQnpNMmxlcFFXXzFId3EyVGc5bkRDMlpmYzU1cU53VTIxdnhrR3ZZWF9FZzlQdk55cjhZbW95cUxVc0FXcjNPR0RzVlNtS3ptQnpjZGtxdkpDbFlnRnpILVcwN0RWVHVR?oc=5) · The Business Journals
- 2025-10-20 [MidWestOne Bank named Top Workplace in Iowa, Minnesota - Corridor Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxORTJWLWI4clVtcmtJcHlScmNHNzZnSklFcnAyc0RKTkFhZmRqeTh3N0E5SHZVWWFhZ2VhRmRZUFRFWFlNdnVuLTJsUnpJeW1oY21PVGxpdWJuc1R1RHBOUnNfRS0zOEdCRmEwa01xbC1xNy1rLWgwb25ta3RJTGl4RWF5MDhzNkpCdmtv?oc=5) · Corridor Business Journal
- 2025-10-23 [Nicolet Bankshares, Inc. Announces Merger with MidWestOne Financial Group, Inc. - Business Wire](https://news.google.com/rss/articles/CBMizwFBVV95cUxPOTRGOTFrZ0ZMWm9HSEZqWGFMRV9lQTBWLWVoNjU5UVQ2dlllVzhpbU9HWVFNMmdQdWZGa1lVanBkX3ZfSkpiMmFuOGdVM2FPZHhpRllTa0VOdEF4cnNDOHY1aURWakZheEs5Wm9semtkb2N1UFUwN0dteHJqZmdVVUV1cURHb0RweWFtc3JCV0tJM3d6U3kxa0hJb1RGUUs0ZWRwM3JRYU5jcmE4U2dkVzB4azJyUnY0OFFwdzRpSFgzamlNVUNLVjFJUkRuUTA?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14843 (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/59.json (key "14843", 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