Total Assets
$3.0B
Total balance-sheet footings
FDIC Cert #1058 · Lemay, Missouri · Est. 1906
Midwest BankCentre - FDIC Bank Health Profile
A community-scale look at Midwest BankCentre's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.0B
- Total assets
- A
- Health grade · Excellent
- 1.10%
- Return on assets
- 13.3%
- Tier 1 capital
Data updated July 2026
The verdict
Midwest BankCentre earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.30% Tier 1, profitable at 1.10% ROA, efficient (57% cost ratio).
- #427
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 13.30%
- Tier 1 ratio - above the 10% well-capitalized line
- 50th
- 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.
How Midwest BankCentre's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Midwest BankCentre's composite health score
Tier 1 Capital Ratio (13.30%) 35/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (7.34%) 16/20
Efficiency Ratio (56.81%) 12/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.5B
Customer-funded liabilities
Net Loans
$2.4B
Outstanding loan book
Net Income
$32M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Midwest BankCentre ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Midwest BankCentre's score of 83/100 falls in the highlighted band.
Midwest BankCentre'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 BankCentre's $3.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.30%
Texas Ratio
7.34%
Equity Capital
$369M
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
9.49%
Efficiency Ratio
56.81%
What the numbers say about Midwest BankCentre
Midwest BankCentre is an FDIC-insured institution (Certificate #1058) headquartered in Lemay, Missouri, established in 1906. It holds $3.0B in total assets - 427th of 4,313 FDIC-insured banks, $2.5B in customer deposits, and $2.4B in net loans. Capital-wise, the Tier 1 ratio sits at 13.30%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.34%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Midwest BankCentre sits in the top decile of all FDIC-insured institutions by asset size (427th of 4,313), and within Missouri it ranks 14th of 198 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is North American Savings Bank, F.S.B., at $3.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$158M
Interest Income
$15M
Non-Interest Income
$65M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Midwest BankCentre reports a Texas Ratio of 7.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.34% - 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) Midwest BankCentre (FDIC Cert #1058) - 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 Midwest BankCentre's health grade?▼
Midwest BankCentre receives a health grade of A (83/100) 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 Midwest BankCentre?▼
Midwest BankCentre holds $3.0B in total assets and $2.5B in deposits, ranking 427th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lemay, Missouri.
Is my money safe at Midwest BankCentre?▼
Yes, deposits at Midwest BankCentre (Certificate #1058) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Midwest BankCentre's Tier 1 Capital Ratio?▼
Midwest BankCentre has a Tier 1 Capital Ratio of 13.30%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Midwest BankCentre?▼
Midwest BankCentre has a Texas Ratio of 7.34%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Midwest BankCentre?▼
Midwest BankCentre has an Efficiency Ratio of 56.81%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Midwest BankCentre's profile as a depositor or analyst.
- Midwest BankCentre's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Midwest BankCentre 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.