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Midwest National Bank
Sandoval, IL · FDIC Certificate #3834 · Chartered 06/0
Total assets
$122.60M
Total deposits
$108.50M
Total equity
$8.72M
Net loans
$95.63M
Branches (offices)
2
Net income (YTD)
$18.00K
Rank: #3,508 of 4,213 U.S. banks by assets · #249 of 322 in Illinois. Assets changed 5.3% and deposits 7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.03% |
| Return on equity | 0.42% |
| Net interest margin (YTD) | 3.74% |
| Equity to assets | 7.11% |
| Tier 1 leverage ratio | 8.06% |
| Uninsured deposits (share of deposits) | 22.1% |
| Noncurrent loans (share of loans) | 1.91% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 88.1% |
| Real estate loans (share of loans) | 82.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $78.71M | 82.3% | |
| Commercial & industrial | $6.96M | 7.3% | |
| Consumer / individual | $8.17M | 8.5% | |
| Construction & development | $2.16M | 2.3% | |
| Agricultural | $2.62M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $73.66M | $63.83M | $425.00K | $5.97M |
| Jun 2023 | $88.06M | $75.16M | $456.00K | $6.93M |
| Jun 2024 | $97.48M | $80.73M | $384.00K | $7.84M |
| Jun 2025 | $116.48M | $100.75M | $92.00K | $7.68M |
| Jun 2026 | $122.60M | $108.50M | $18.00K | $8.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $108.50M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $108.50M.
Similar-sized banks
G. W. Jones Exchange Bank ($122.76M) · Pocahontas State Bank ($122.57M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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