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Midwest Regional Bank
Clayton, MO · FDIC Certificate #8889 · Chartered 06/1
Total assets
$948.97M
Total deposits
$840.15M
Total equity
$99.91M
Net loans
$747.03M
Branches (offices)
7
Net income (YTD)
-$6.65M
Rank: #1,091 of 4,213 U.S. banks by assets · #39 of 190 in Missouri. Assets changed -15.5% and deposits -14.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.34% |
| Return on equity | -12.34% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 10.53% |
| Tier 1 leverage ratio | 10.23% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 6.61% |
| Net charge-offs (share of loans) | 3.03% |
| Loans to deposits | 88.9% |
| Real estate loans (share of loans) | 80.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $600.05M | 80.3% | |
| Commercial & industrial | $150.96M | 20.2% | |
| Consumer / individual | $1.84M | 0.2% | |
| Construction & development | $161.70M | 21.6% | |
| Agricultural | $4.16M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $834.84M | $734.76M | $2.59M | $84.70M |
| Jun 2023 | $978.75M | $848.29M | $4.03M | $95.14M |
| Jun 2024 | $1.07B | $950.61M | $4.25M | $99.39M |
| Jun 2025 | $1.12B | $982.90M | $1.47M | $110.09M |
| Jun 2026 | $948.97M | $840.15M | -$6.65M | $99.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $840.15M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $840.15M.
Similar-sized banks
C3Bank, National Association ($949.27M) · American Bank Of Freedom ($948.27M)
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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