Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #8889 · Clayton, Missouri · Est. 1894
Midwest Regional Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.0B
- Total assets
- D
- Health grade · Weak
- 0.21%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
Midwest Regional Bank earns a PlainBankData health grade of D (43/100), with well-capitalized at 11.58% Tier 1, 0.21% ROA, 71% efficiency ratio.
- #1,001
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 11.58%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Midwest Regional Bank's 43/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Midwest Regional Bank's composite health score
Tier 1 Capital Ratio (11.58%) 28/40
Return on Assets (ROA) (0.21%) 7/25
Texas Ratio (37.37%) 4/20
Efficiency Ratio (70.86%) 4/15
43 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$909M
Customer-funded liabilities
Net Loans
$838M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Midwest Regional Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Midwest Regional Bank's score of 43/100 falls in the highlighted band.
Midwest Regional 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 Regional Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.58%
Texas Ratio
37.37%
Equity Capital
$112M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.21%
Return on Equity (ROE)
2.13%
Efficiency Ratio
70.86%
What the numbers say about Midwest Regional Bank
Midwest Regional Bank is an FDIC-insured institution (Certificate #8889) headquartered in Clayton, Missouri, established in 1894. It holds $1.0B in total assets - 1,001st of 4,313 FDIC-insured banks, $909M in customer deposits, and $838M in net loans. Looking at capital strength, Tier 1 stands at 11.58%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 37.37%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (43/100), 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, Midwest Regional Bank ranks 34th of 198 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$72M
Interest Income
$9M
Non-Interest Income
$31M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Midwest Regional Bank reports a Texas Ratio of 37.37% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
37.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Midwest Regional Bank
Midwest Regional Bank's grade of D reflects specific pressure points in the FDIC Call Report.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Midwest Regional Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Midwest Regional Bank (FDIC Cert #8889) - 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 Regional Bank's health grade?▼
Midwest Regional Bank receives a health grade of D (43/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Midwest Regional Bank?▼
Midwest Regional Bank holds $1.0B in total assets and $909M in deposits, ranking 1,001st of 4,313 FDIC-insured banks by asset size. It is headquartered in Clayton, Missouri.
Is my money safe at Midwest Regional Bank?▼
Yes, deposits at Midwest Regional Bank (Certificate #8889) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Midwest Regional Bank's Tier 1 Capital Ratio?▼
Midwest Regional Bank has a Tier 1 Capital Ratio of 11.58%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Midwest Regional Bank?▼
Midwest Regional Bank has a Texas Ratio of 37.37%. 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 Midwest Regional Bank?▼
Midwest Regional Bank has an Efficiency Ratio of 70.86%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Midwest Regional Bank's profile as a depositor or analyst.
- Midwest Regional Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Midwest Regional Bank 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.