# MIDWEST BANK
MONMOUTH, IL · FDIC certificate 3711 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $736.4M | |
| Deposits | $578.1M | |
| Loans and leases | $438.1M | |
| Total equity | $61.1M | |
| Loans / deposits | 74.84% (p35 of band) | 82.04% |
| Liquid assets / assets | 33.09% (p72 of band) | |
| Uninsured deposits / deposits | 26.96% (p54 of band) | 25.97% |
| Brokered deposits | 5.19% | |
| Wholesale funding | 17.22% (p91 of band) | |
| FHLB advances / assets | 5.09% | |
| Tier 1 leverage | 8.80% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | -37.11% (p9 of band) | -8.10% |
| AOCI / equity | -1.05% (p21 of band) | |
| ROA (annualized) | 1.02% (p33 of band) | 1.28% |
| Net interest margin | 3.38% (p23 of band) | 3.91% |
| Efficiency ratio | 58.96% (p43 of band) | |
| Noncurrent loans | 0.32% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 391.12% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 25.09% (p31 of band) | |
| Auto loans | $4.1M (0.93% of loans; DQ 3.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 88 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | uninsured deposits leaving, assets shrinking |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2016-06 | 4 | wholesale funding >15% |  |
| 2016-09 | 3 |  | wholesale funding >15% |
| 2016-12 | 4 | wholesale funding >15%, capital falling | charge-offs p90 |
| 2017-03 | 2 | charge-offs p90 | noncurrent p90, wholesale funding >15%, capital falling |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 4 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2018-03 | 1 |  | wholesale funding >15%, capital falling, charge-offs p90 |
| 2018-06 | 2 | noncurrent p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | wholesale funding >15% | noncurrent p90 |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 4 | charge-offs p90 |  |
| 2020-06 | 3 |  | wholesale funding >15% |
| 2020-09 | 5 | wholesale funding >15%, capital falling |  |
| 2020-12 | 1 |  | reserve under noncurrent, noncurrent p90, wholesale funding >15%, capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 2 | capital falling, reserve under noncurrent |  |
| 2021-09 | 0 |  | capital falling, reserve under noncurrent |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  | charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | wholesale funding >15%, capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | deposits shrinking | capital falling |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-06-10 [Midwest Bank Expanding to Ninth Location as Parent Company Pursues Acquisition - Radio Monmouth, IL](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNWTVLZDlxUld3WUl3MDFUTUxhNEs1Qm9XajBIbmFwaGFMZDZrX0U1YWxubVhxLVF6Ukp1ZG94OFZkTVF3aVhoTXVtNjJhQUNOLWZ6QkRZMWZiYk5YYng0QnpHS3lEUzNLU21VeW9QbHVBWE1naThxQkctMC1WS2l0SHRZRmNlUWU5M3lmZXVLb0hYVHVCWEcwN25uMU1LZjlaSVhhWGQwT2phRmc?oc=5) · Radio Monmouth, IL
- 2026-08-07 [First Midwest Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE1GRXdNcFJQV3NWem82Z0pEc0J1QXZyMXhYeDNsNGptMjN1Q1E5LVE2QmNiZTNPVHphSkQ1WEJnWV9kQTZpS1JtbnltSGdPMktZT0d3QUdRdEF3eFphVW9GYmhmZ0YyXzY1WmRxcEZFTEEyT1ph?oc=5) · reveliolabs.com
- 2026-08-20 [Despite Pleas From 'Joliet's Hometown Bank For Over 50 Years,' City Council Changes Banking Institution - Patch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQUnR3TS1GemZ4dEZkZXlrUnUtWkZUdmR3ZnhfQ0VqN0xoeFN6V29jV2lrblNVdEsxbW94ajRlTmxJTFZyTVpIcUJFV3Y2eG9WWHQxYi1saU5iQVpvcG5WclQ2ME92aUdxay1ON25FWklMYXI3Q3dnT3FzaU1XSk82TVYxUEt5NlZvTElpc3FlTnNpeTZZVFZ4dVVodzJmV2N0akVlZDVrN19xbzdFZnlPZzZfYUZnU0VF?oc=5) · Patch
- 2026-03-05 [Illinois bank moves Miami office out of Brickell - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQTjRzeU5pR0pPRUVVNm50OTJVeDFDQnRIRU9PLVMydlVWTk9CcUhLb1I2OXh0S21TbVRHcEltSVZEV1hGTUE5NHFuaXhCejh5U0IyX2h0aWpxYlFLMnVMUVdudDJPV1RyUWdZZHVKSHMzYVFoMmJkN252T1BuZEFxMDdJakYyR2xPU2tsWnRIc2I5X0ZDS0x5ZlFCYUkxTnpoU0FxemVQRDhHdVd4ZEE?oc=5) · The Business Journals
- 2024-04-26 [Merger plans announced between parent companies of Midwest Bank and Princeville State Bank - WEEK | 25 News Now](https://news.google.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?oc=5) · WEEK | 25 News Now
- 2024-06-12 [Western Illinois Bancshares adds Rock Island accounting firm - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRUUtWnVodHhhMGhNYWIySU9uSmozaHBFVFRtOExqR1dKRGlEbUozWGI2QUoxSU1JcTFmUTFnN2stQ1Q2SlgtcUZza09GZDdrbDBtOGVhd3ZaUUthenlEeW5KZ3BYdFI4YVdGTnUyYVR4MC1UWmRGbERvdGZMTzV2Z3Vid2lUU0FXd0pLU0plamdoYUdzcjZn?oc=5) · Quad Cities Business Journal
- 2022-03-03 [Midwest Bank Partners With Lendsmart to Streamline the Entire Homebuying Journey - Business Wire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQQ2Vad0FsNkFUVG5WSnM3bElWcl9MUi1pZFJPVTZmNHB3akFPRDZ1clA0U0RvMFUycFdwNFhqNWdNNmFnaEZ2eXJGYnFSOTliVkVUSnE0SDlJT0NIVlJBeW9IcDV6OWttQS12YVJHWWV2THFtZjNKMVIwSnhPWjRxN3RJbzk0Y2pBQmYwVm50azV3VXlkbjhPQU13eEUwVGNXMjVFVWVKdEZGVXB4SGgtNkNUcGhURlFPWmx5UjBwQTVLbk5UVTZjY0V2b1NTcGZwdFl3?oc=5) · Business Wire
- 2021-06-01 [First Midwest Bank name to vanish in $6.5 billion merger with Indiana-based Old National | Illinois - GMToday.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQWklGRDJHS1RZYTRtWlhWOXdEbmNIM3JqcXkya3pHWlpyRWk3ZEJkNFZNSTRQV1NsQjZVM2kxTVdRVElrZFhHdk9EXzcxUmZCUDc3MUYyS0hLek1vN0Q4UjBpOUVPMU9SUUs0aktpbGp5UjZTWkdZWEVmcWo3TmQxV3JkSXBkQjcxZThNekZkczN1QllCT01CdWlhTnhWRGE5N0RZSnlEUWdiemI1WUkyOEItc1NDZHJDQVdtdjZVbTRnaXI0V1NlNG8wUzBQQzV3eHZKMEZxSy1ncjRzVmo0N2xQTlJabU5DMmJmeFRCVWN2ZjJZei0zN2F3?oc=5) · GMToday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3711 (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/63.json (key "3711", 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