Total Assets
$359M
Total balance-sheet footings
FDIC Cert #25849 · Jefferson City, Missouri · Est. 1985
Midwest Independent BankersBank - FDIC Bank Health Profile
A community-scale look at Midwest Independent BankersBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $359M
- Total assets
- A
- Health grade · Excellent
- 1.81%
- Return on assets
- 14.9%
- Tier 1 capital
Data updated July 2026
The verdict
Midwest Independent BankersBank earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.92% Tier 1, profitable at 1.81% ROA, efficient (60% cost ratio).
- #2,246
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 14.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 86th
- 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 Independent BankersBank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Midwest Independent BankersBank's composite health score
Tier 1 Capital Ratio (14.92%) 35/40
Return on Assets (ROA) (1.81%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (59.84%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$267M
Customer-funded liabilities
Net Loans
$254M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Midwest Independent BankersBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Midwest Independent BankersBank's score of 92/100 falls in the highlighted band.
Midwest Independent BankersBank'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 Independent BankersBank's $359M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.92%
Texas Ratio
0.00%
Equity Capital
$49M
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.81%
Return on Equity (ROE)
13.30%
Efficiency Ratio
59.84%
What the numbers say about Midwest Independent BankersBank
Midwest Independent BankersBank is an FDIC-insured institution (Certificate #25849) headquartered in Jefferson City, Missouri, established in 1985. It holds $359M in total assets - 2,246th of 4,313 FDIC-insured banks, $267M in customer deposits, and $254M in net loans. Its capital position: a Tier 1 ratio of 14.92%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Midwest Independent BankersBank sits 89th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$8M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Midwest Independent BankersBank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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 Independent BankersBank (FDIC Cert #25849) - 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 Independent BankersBank's health grade?▼
Midwest Independent BankersBank receives a health grade of A (92/100) 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 Independent BankersBank?▼
Midwest Independent BankersBank holds $359M in total assets and $267M in deposits, ranking 2,246th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jefferson City, Missouri.
Is my money safe at Midwest Independent BankersBank?▼
Yes, deposits at Midwest Independent BankersBank (Certificate #25849) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Midwest Independent BankersBank's Tier 1 Capital Ratio?▼
Midwest Independent BankersBank has a Tier 1 Capital Ratio of 14.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Midwest Independent BankersBank?▼
Midwest Independent BankersBank has a Texas Ratio of 0.00%. 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 Independent BankersBank?▼
Midwest Independent BankersBank has an Efficiency Ratio of 59.84%. 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 Independent BankersBank's profile as a depositor or analyst.
- Midwest Independent BankersBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Midwest Independent BankersBank 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.