# MIDWEST REGIONAL BANK
CLAYTON, MO · FDIC certificate 8889 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $949.0M | |
| Deposits | $840.1M | |
| Loans and leases | $766.5M | |
| Total equity | $99.9M | |
| Loans / deposits | 88.92% (p68 of band) | 82.04% |
| Liquid assets / assets | 13.57% (p13 of band) | |
| Uninsured deposits / deposits | 26.75% (p54 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.23% (p40 of band) | 10.81% |
| Unrealized securities loss / equity | -1.28% (p84 of band) | -8.10% |
| AOCI / equity | 0.01% (p81 of band) | |
| ROA (annualized) | -1.34% (p1 of band) | 1.28% |
| Net interest margin | 3.52% (p29 of band) | 3.91% |
| Efficiency ratio | 69.18% (p71 of band) | |
| Noncurrent loans | 6.61% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 2.46% (p100 of band) | |
| Reserve coverage of noncurrent | 38.39% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 161.85% (p98 of band) | |
| Auto loans | $1.6M (0.21% of loans; DQ 1.19%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -14.5% | |
| Employees | 136 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 1 | construction >100% equity |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 0 |  | construction >100% equity, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, construction >100% equity |  |
| 2014-06 | 2 | uninsured deposits leaving | capital falling |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 0 |  | construction >100% equity |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2016-12 | 0 |  | liquid assets <10%, reserve under noncurrent |
| 2017-03 | 3 | capital falling, reserve under noncurrent, construction >100% equity |  |
| 2017-06 | 1 |  | capital falling, reserve under noncurrent |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 1 |  | construction >100% equity |
| 2018-03 | 4 | liquid assets <10%, capital falling, expense ratio p90 |  |
| 2018-06 | 3 | charge-offs p90, construction >100% equity | reserve under noncurrent, capital falling, expense ratio p90 |
| 2018-09 | 3 | reserve under noncurrent | liquid assets <10% |
| 2018-12 | 2 |  | reserve under noncurrent |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 3 | liquid assets <10%, charge-offs p90 |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | liquid assets <10% |
| 2020-03 | 6 | brokered >10%, capital falling, losing money, uninsured deposits leaving |  |
| 2020-06 | 6 | wholesale funding >15% | losing money |
| 2020-09 | 5 |  | capital falling |
| 2020-12 | 3 |  | brokered >10%, wholesale funding >15% |
| 2021-03 | 3 | capital falling | uninsured deposits leaving |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | assets shrinking |  |
| 2022-03 | 2 |  | assets shrinking |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 3 | loans exceed deposits | assets shrinking |
| 2022-12 | 3 | capital falling | loans exceed deposits |
| 2023-03 | 2 |  | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 1 |  | charge-offs p90, capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | deposits shrinking |  |
| 2026-03 | 6 | charge-offs p90, assets shrinking |  |
| 2026-06 | 7 | losing money |  |

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

- 2026-08-06 [Midwest Regional Bank presents $10,000 to Boys & Girls Clubs of West Central Missouri - Sedalia Democrat](https://news.google.com/rss/articles/CBMixgFBVV95cUxQMktOcmMyTVA5cFR6OW9iTW0yaEpCUUF0OC1qUkJQb2VnS2d4WG1NdlVFTzNQb25DcW1GUUpNUHpCZHhDcmVmN2d4OTZsSEdQSHJoNW9sblFMSXNoLW14ZmpwZ3BRTmVBcjM0d1RHMjZLYjJKLWkwbjBwdnlEQUQ5TGpDYl9iVjAxQlpBZTl2SnRpQ2dSS3E5bkFUdlRZdThUT2w5TGgtUkxqSjM2QWkwcW51WWNWM2dINkNEM3RqTGp3VklfV0E?oc=5) · Sedalia Democrat
- 2026-06-29 [Q1 Earnings Highlights: First Merchants (NASDAQ:FRME) Vs The Rest Of The Regional Banks Stocks - StockStory](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQQ0ZCY19sMU9oTWNxVHZvTEtqcEZLdjIzV1VEdU1jckczQVJoT2NfdDBqa3o1VFRCem1YRkp5TmduYjhNTDVlNXlGa0hFa3doNHVpYi1pOUJzcmRULWNWM1o4Si1DcjJkMk80UWRMamU1c2RGSW1GU1dMWThoZ0RPR1V2bUJWNmZxeHc3S0lpcHBTcGdXcmxPeDNuRHNpWjlLVXRoQlhodmFqUlhiV01XbXZ1eE5kemRpbkpHaWRiM1J1Qkp6RDVRUVRuUzhsM2ptWWl2dmdzOXA3TWpZelhQcmdkUQ?oc=5) · StockStory
- 2025-11-19 [Regional Banks Stocks Q3 Recap: Benchmarking First Merchants (NASDAQ:FRME) - StockStory](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPWW5keHFlaVJSV2p6NnpCODh6cUM1ZnVuaXVCQy0tTXJfMzQxUF90MEJRODh4MUUzS1NWaXp3eG0xMEoxQUR1VHpEdkZjc0FQUHRxLUI1NHpwUW1ISV8xR1ZNUGFTVDBRd254czctZ0d4dXpYSVNDN1I4SzZHbWc3YlYtNDBtNzlzRUtrRVdUS0x3a21kNkhIWnZERmdYOHl6YkYzXzZQb2VCaUZKc1BVME5Ta0VPNlZLV29ON3lHYmpMMlp1M3BQLQ?oc=5) · StockStory
- 2025-09-18 [Owners of shuttered Armory face new financial troubles - KMOV](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNjh5NjBvOF9NYzNld2dkbXZDdERXb3RWWHY2MDFjbldFakVWRXQxdkpReTZwNm9FOWFxeDE1anh6Zi1ZUkxSdERLcVByV0hlT1MzMmNFLXFUQ29nNXFwWGxCUlVTeEtvUnlrTndiNFRqaEVnS1dMM0JmTjRmcS1vYkJKa2pOYlVTUXRqZlE5dDdoUEdKT1HSAaoBQVVfeXFMUDk5OUFNTXpFRVFocnRqWWV2cXA0VGFUMUNQdEtPZmc2T0VkbVhoNTBKbWhqMDNtVXVMSEdkbU1acm9Nd0pNdnExcWdJNVdGeTZHemlxXzMtc0dMZzJWaERNbmxBM0dwMEE4c1g3RFctdXQ2RlVRRk5xd05GR0YzY1NUVGJsWmRvT1RyNlBma3dhaXRRbGZSaXN4SzhjZ2Mwcm5ORWZCc2dsZmc?oc=5) · KMOV
- 2025-09-19 [Wife of Armory developer sued for $16M in unpaid loans - FOX 2](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZXVIZHppbTJYenRNdDdSd0psQW1zUXdjUW8zbldWZWxCRWxWa0c1QzMwbVpTTmhxMXVKUmlWVzcwWU9Pb29OQm9lTDU4UkxCZGtTMDJLdVBBZkJxRVctbVJpUkk0Zi1vYlpRNEhJdXJ3NHcxeWw4NVZfNVc2Q3p5RGNTbmx0eVN2bEJObnNIMjhBQdIBlwFBVV95cUxNMWNOemhMQzRRcFNBbEVaaHZIajV0OWxPRFE0U0JtSnNoSHY1VGgyWWpPWU1QWDNHR1VjOEVzR2U2R0J0bnljZEVWXzBMc0llaHRMMmN0RGlodWRMN21VMDR0Vm04b1FySU1JY1N6ejYzVHpoUV9Lc1pEa2lIM2VvV1hSeVRUTktZQ2drSDNLVTB1azl0YThv?oc=5) · FOX 2
- 2020-02-13 [40 Under 40 2020: Tyler Bender, Midwest Regional Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZFZic0JvOFo2cmJCdG56NkFQMkhDbWxuWWo2eEJlTEFSYjVRNGlSYlVUNFBBQXBMbVF2dElOTzZqb0RqNTc5NjZjVDJzNkN2NHBKSWtvMGZrT0RqdVZMRnlTNlhZa2tNOWpsS3RpRmxxNlNtUGFCVHhYY3JMSlNQdTNFc2tUM1FYa3ludDVaajdaYTVXUTNIUWpnWnRucG1aNGl6OEJR?oc=5) · The Business Journals
- 2021-07-28 [Associated Bank Launches Personal Loans Powered by Upstart - Upstart](https://news.google.com/rss/articles/CBMitAFBVV95cUxQQ0RtdENjZ0JsOHdmMzlHZGlURXhMeExraFV0SVBhbDFqRDdNa0VIV3Y4S2Q2b2J3VGtMY3FockVDV0lIbkNaNUFrM0FCeHlpbU96bU0zYkh3bHJqaXFmLXZnSzAzQUFpODE3YktZR3hmWjlVVnlWbUN1cEZfNTZhVG1WOVpIelVvSnlRbDlMQjN3dENneElKR21xWTNsT1dsaEQzRnphb3Y4a2hhMkM0LUY4Xzk?oc=5) · Upstart
- 2012-08-16 [Midwest Regional Bank: The Local Touch - Ladue News](https://news.google.com/rss/articles/CBMizgFBVV95cUxQYmxvRjg2ZUs3V01FVmNmVjRnclE0c2F1MkdRUWUxUTdnMWY3azlWc2pHNUFsRlpneU9HZDRiVnI1M3lTWjhXaFV0LWkzRlpEMUVGTmgyV0MyMGktZm9nUmdRR3NVRWVXdHpQdDA3Y1lSQlRHem9walRjTUk5VHdidVNSZVRNdF93ZVI3Y3EyR29aUnVzUWtRVmdxUldZNW83LThxV0hEYWpTTlZ0Vk0zN3l6X3pJSzUwUVE4elRkRFJ6d200RnJyaXVqcUtNUQ?oc=5) · Ladue News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8889 (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 "8889", 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