Total Assets
$740M
Total balance-sheet footings
FDIC Cert #19212 · Poplar Bluff, Missouri · Est. 1964
First Midwest Bank of the Ozarks - FDIC Bank Health Profile
A community-scale look at First Midwest Bank of the Ozarks's own numbers, pulled straight from its quarterly FDIC Call Report.
- $740M
- Total assets
- A
- Health grade · Excellent
- 1.75%
- Return on assets
- 10.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Midwest Bank of the Ozarks earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.58% Tier 1, profitable at 1.75% ROA, efficient (60% cost ratio).
- #1,332
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 10.58%
- Tier 1 ratio - above the 10% well-capitalized line
- 84th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Midwest Bank of the Ozarks's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Midwest Bank of the Ozarks's composite health score
Tier 1 Capital Ratio (10.58%) 28/40
Return on Assets (ROA) (1.75%) 25/25
Texas Ratio (3.11%) 20/20
Efficiency Ratio (59.90%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$656M
Customer-funded liabilities
Net Loans
$598M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Midwest Bank of the Ozarks ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Midwest Bank of the Ozarks's score of 85/100 falls in the highlighted band.
First Midwest Bank of the Ozarks's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Midwest Bank of the Ozarks's $740M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.58%
Texas Ratio
3.11%
Equity Capital
$77M
Profitability metrics
Return on Assets (ROA)
84th percentile nationally
1.75%
Return on Equity (ROE)
16.73%
Efficiency Ratio
59.90%
What the numbers say about First Midwest Bank of the Ozarks
First Midwest Bank of the Ozarks is an FDIC-insured institution (Certificate #19212) headquartered in Poplar Bluff, Missouri, established in 1964. It holds $740M in total assets - 1,332nd of 4,313 FDIC-insured banks, $656M in customer deposits, and $598M in net loans. On safety, its Tier 1 capital ratio of 10.58% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.11% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Missouri, First Midwest Bank of the Ozarks ranks 52nd of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$47M
Interest Income
$4M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Midwest Bank of the Ozarks reports a Texas Ratio of 3.11% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.11% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Midwest Bank of the Ozarks (FDIC Cert #19212) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is First Midwest Bank of the Ozarks's health grade?▼
First Midwest Bank of the Ozarks receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Midwest Bank of the Ozarks?▼
First Midwest Bank of the Ozarks holds $740M in total assets and $656M in deposits, ranking 1,332nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Poplar Bluff, Missouri.
Is my money safe at First Midwest Bank of the Ozarks?▼
Yes, deposits at First Midwest Bank of the Ozarks (Certificate #19212) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Midwest Bank of the Ozarks's Tier 1 Capital Ratio?▼
First Midwest Bank of the Ozarks has a Tier 1 Capital Ratio of 10.58%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Midwest Bank of the Ozarks?▼
First Midwest Bank of the Ozarks has a Texas Ratio of 3.11%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Midwest Bank of the Ozarks?▼
First Midwest Bank of the Ozarks has an Efficiency Ratio of 59.90%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Midwest Bank of the Ozarks's profile as a depositor or analyst.
- First Midwest Bank of the Ozarks's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Midwest Bank of the Ozarks against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.