FDIC Cert #9737 · Detroit Lakes, Minnesota · Est. 1917

Midwest Bank - FDIC Bank Health Profile

A community-scale look at Midwest Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$893M
Total assets
A
Health grade · Excellent
2.17%
Return on assets
10.3%
Tier 1 capital

Data updated July 2026

The verdict

Midwest Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 10.25% Tier 1, profitable at 2.17% ROA, efficient (48% cost ratio).

#1,151
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
10.25%
Tier 1 ratio - above the 10% well-capitalized line
93rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 9737 · MN A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #920/4307
  • PHOTO-FINISH Edmonton State Bank · KY
  • TIER1-WELL 10.3% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-STRONG 2.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Edmonton State Bank, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Midwest Bank

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adams State Bank · NE · near88/100Bank of Holyrood · KS · near88/100Capital City Bank · FL · near88/100Edmonton State Bank · KY · n…88/100Midwest Bank · MN · this bank88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Midwest Bank · July 2026

Call Report read for Midwest Bank in a high-failure state

Midwest Bank (FDIC Cert #9737) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #920 of 4,307. Tier 1 capital prints at 10.25%, clearing the 10% well-capitalized line. The Texas Ratio is 0.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.17%. Balance-sheet scale is $893M, 1,151st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Edmonton State Bank (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Midwest Bank

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Midwest Bank sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Midwest Bank's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Midwest Bank's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Midwest Bank's composite health score
Tier 1 Capital Ratio (10.25%) 28/40
Return on Assets (ROA) (2.17%) 25/25
Texas Ratio (0.19%) 20/20
Efficiency Ratio (47.54%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$893M

Total balance-sheet footings

Total Deposits

$753M

Customer-funded liabilities

Net Loans

$792M

Outstanding loan book

Net Income

$18M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.85% 10.25% 11.65%
Basel III capital ratios - Midwest Bank

Where Midwest Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Midwest Bank's score of 88/100 falls in the highlighted band.

Midwest Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 21% higher than 79% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Midwest Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Midwest Bank'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). Midwest Bank's $893M falls in the highlighted band.

Capital & credit buffers at Midwest Bank

Tier 1 capital ratio
Well-capitalized 10%

10.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.25%
Texas Ratio
0.19%
Equity Capital
$89M

What these ratios mean →

Earnings posture at Midwest Bank

Return on Assets (ROA)
93rd percentile nationally
2.17%
Return on Equity (ROE)
21.53%
Efficiency Ratio
47.54%

What these mean →

Income & expense at Midwest Bank

$54M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Midwest Bank reports a Texas Ratio of 0.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Midwest Bank on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($893M here), outside Minnesota so the neighborhood is not state containment.

First Commerce Bank $893M · TN Hawaii National Bank $893M · HI Southwest Heritage Bank $894M · AZ First Northern Bank of Wyoming $894M · WY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Midwest Bank (FDIC Cert #9737) - 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.

Midwest Bank Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%