# MIDWEST IND BANKERSBANK
JEFFERSON CITY, MO · FDIC certificate 25849 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 4 (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 | $341.4M | |
| Deposits | $259.4M | |
| Loans and leases | $243.6M | |
| Total equity | $50.9M | |
| Loans / deposits | 92.07% (p75 of band) | 82.04% |
| Liquid assets / assets | 24.37% (p49 of band) | |
| Uninsured deposits / deposits | 59.13% (p98 of band) | 25.97% |
| Brokered deposits | 9.84% | |
| Wholesale funding | 16.87% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.26% (p90 of band) | 10.81% |
| Unrealized securities loss / equity | -1.07% (p86 of band) | -8.10% |
| AOCI / equity | -0.18% (p61 of band) | |
| ROA (annualized) | 1.38% (p57 of band) | 1.28% |
| Net interest margin | 3.98% (p54 of band) | 3.91% |
| Efficiency ratio | 68.24% (p69 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.05% (p2 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 45% | |
| Construction % of loans | 30.75% (p37 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $116.7M (229% of equity) (p100 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2011-06 | 4 |  | loans exceed deposits, wholesale funding >15% |
| 2011-09 | 4 |  |  |
| 2011-12 | 6 | losing money, expense ratio p90 |  |
| 2012-03 | 5 | capital falling, NIM <2.5%, uninsured deposits leaving | noncurrent p90, charge-offs p90, losing money, expense ratio p90 |
| 2012-06 | 5 | noncurrent p90, charge-offs p90 | capital falling, uninsured deposits leaving |
| 2012-09 | 4 | uninsured deposits leaving | noncurrent p90, charge-offs p90 |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 3 | uninsured deposits >50% | reserve under noncurrent |
| 2013-06 | 3 |  |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking |  |
| 2013-12 | 5 | expense ratio p90 | assets shrinking |
| 2014-03 | 5 | capital falling, assets shrinking | deposits shrinking, expense ratio p90 |
| 2014-06 | 5 | deposits shrinking | capital falling |
| 2014-09 | 4 |  | assets shrinking |
| 2014-12 | 4 | assets shrinking | deposits shrinking |
| 2015-03 | 5 | capital falling, deposits shrinking | assets shrinking |
| 2015-06 | 5 | assets shrinking | capital falling |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 3 |  | deposits shrinking, assets shrinking |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 2 |  | NIM <2.5%, capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 5 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 5 | assets shrinking | wholesale funding >15% |
| 2018-06 | 2 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2018-09 | 5 | wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2018-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 1 |  | wholesale funding >15%, assets shrinking |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 5 | uninsured deposits >50%, capital falling, deposits shrinking, assets shrinking |  |
| 2020-06 | 3 | NIM <2.5% | capital falling, deposits shrinking, assets shrinking |
| 2020-09 | 5 | deposits shrinking, assets shrinking |  |
| 2020-12 | 4 |  | assets shrinking |
| 2021-03 | 5 | wholesale funding >15%, capital falling | deposits shrinking |
| 2021-06 | 5 | deposits shrinking, assets shrinking | wholesale funding >15%, capital falling |
| 2021-09 | 3 |  | deposits shrinking, assets shrinking |
| 2021-12 | 4 | assets shrinking |  |
| 2022-03 | 7 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2022-06 | 5 |  | uninsured deposits >50%, assets shrinking |
| 2022-09 | 6 | uninsured deposits >50% |  |
| 2022-12 | 5 | uninsured deposits leaving | NIM <2.5%, uninsured deposits >50% |
| 2023-03 | 4 | uninsured deposits >50% | capital falling, uninsured deposits leaving |
| 2023-06 | 3 |  | uninsured deposits >50% |
| 2023-09 | 5 | uninsured deposits >50%, deposits shrinking |  |
| 2023-12 | 4 | capital falling | uninsured deposits >50%, deposits shrinking |
| 2024-03 | 5 | uninsured deposits >50% |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 3 |  | uninsured deposits >50% |
| 2024-12 | 4 | uninsured deposits >50% |  |
| 2025-03 | 5 | loans exceed deposits |  |
| 2025-06 | 3 |  | wholesale funding >15%, loans exceed deposits |
| 2025-09 | 4 | wholesale funding >15% |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 | run vulnerability | brokered >10%, wholesale funding >15% |
| 2026-06 | 4 | wholesale funding >15%, deposits shrinking | run vulnerability |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25849 (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/57.json (key "25849", 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