FDIC Cert #3711 · Monmouth, Illinois · Est. 1870

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.
$703M
Total assets
B
Health grade · Good
0.79%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

Midwest Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.60% Tier 1, 0.79% ROA, 65% efficiency ratio.

#1,382
largest of 4,313 FDIC banks by assets
68th
percentile by asset size, nationally
13.60%
Tier 1 ratio - above the 10% well-capitalized line
29th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 3711 · IL B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2332/4307
  • PHOTO-FINISH Bank of 1889 · AR
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-PAR 0.79% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Bank of 1889, AR (±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 Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of 1889 · AR · near77/100Capital One, Nationa… · VA ·…77/100Midwest Bank · IL · this bank77/100The First National B… · IN ·…77/100The First National B… · TX ·…77/100Tioga-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 #3711) carries a PlainBankData health grade of B at 77/100, 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 #2,332 of 4,307. Tier 1 capital prints at 13.60%, clearing the 10% well-capitalized line. The Texas Ratio is 1.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.79%. Balance-sheet scale is $703M, 1,382nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of 1889 (AR), 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

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Midwest Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Midwest Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

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

How Midwest Bank's 77/100 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 avg77/10077/100
Midwest Bank's composite health score
Tier 1 Capital Ratio (13.60%) 35/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (1.40%) 20/20
Efficiency Ratio (64.59%) 8/15

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

Balance sheet at a glance

Total Assets

$703M

Total balance-sheet footings

Total Deposits

$535M

Customer-funded liabilities

Net Loans

$422M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.2% 13.6% 15%
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 77/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 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 $703M falls in the highlighted band.

Capital & credit buffers at Midwest Bank

Tier 1 capital ratio
Well-capitalized 10%

13.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.60%
Texas Ratio
1.40%
Equity Capital
$59M

What these ratios mean →

Profitability metrics: Midwest Bank

Return on Assets (ROA)
29th percentile nationally
0.79%
Return on Equity (ROE)
9.98%
Efficiency Ratio
64.59%

What these mean →

Income & expense at Midwest Bank

$31M
Interest Income
$3M
Non-Interest Income
$15M
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 1.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.40% - 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 Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($703M here), outside Illinois so the neighborhood is not state containment.

First National Community Bank $703M · GA First Fidelity Bank $704M · SD Citizens Bank of West Virginia, Inc. $705M · WV The Eastern Colorado Bank $705M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Midwest Bank (FDIC Cert #3711) - 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 · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%