Midwest BankCentre
Midwest BankCentre reported total assets of $3.1 bn at Q2 2026, up 3.2% on a year earlier, the 411th largest of 497 banks in our US coverage. The CET1 capital ratio at Midwest BankCentre was 13.54%, and the uninsured share of Midwest BankCentre was 26.11%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Midwest BankCentre climbed from 306th to 193rd among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , Midwest BankCentre has taken over one institution; the latest was Bremen Bank and Trust Company on (FDIC Call Reports).
What sets Midwest BankCentre apart
How large is Midwest BankCentre?
The balance sheet of Midwest BankCentre at : assets $3.1 bn, deposits $2.5 bn, net loans $2.4 bn (loans equal to 95.59% of deposits). Securities make up 10.9% of total assets at Midwest BankCentre. Since , when Midwest BankCentre held $1.7 bn, its assets grew 83.8%. In the year to , deposits at Midwest BankCentre rose 1.5% while its total assets rose 3.2%. At , Midwest BankCentre employed 282 full-time equivalent staff across 18 offices, about $10.9 mn of assets per employee and $140.2 mn of deposits per office.
How much funding at Midwest BankCentre is uninsured?
At Midwest BankCentre, uninsured deposits (above the FDIC limit) made up 26.11% of domestic deposits at (-0.88 pp on a year earlier); Midwest BankCentre ranks 365th of 500 on this measure. In dollars, Midwest BankCentre estimated $658.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +1.5% | 417th of 499 |
| Net loans and leases | $2.4 bn | +1.7% | 379th of 500 |
| Loan-to-deposit ratio | 95.59% | +0.22 pp | 100th of 500 |
| Tier 1 leverage ratio | 12.15% | +0.94 pp | 90th of 500 |
| Total risk-based capital ratio | 14.79% | +1.15 pp | 189th of 448 |
| Net interest margin | 3.91% | +0.41 pp | 167th of 500 |
| Return on assets (ROA) | 1.34% | +0.21 pp | 229th of 500 |
| Efficiency ratio | 51.91% | -4.22 pp | 172nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $6.5 mn | Narrowed by $3.7 mn | |
| Noncurrent loans to total loans | 1.07% | +0.45 pp | 377th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.24% | +0.21 pp | 366th of 500 (1 = lowest) |
US rank of Midwest BankCentre: 1 = highest unless marked 1 = lowest.
Balance sheet
Midwest BankCentre: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.5bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of Midwest BankCentre stood at 13.54% in , +1.15 pp year on year. Low and high at Midwest BankCentre since : 10.10% () to 13.65% (). Equity capital of Midwest BankCentre at : $380.0 mn, or 12.4% of total assets. Midwest BankCentre also reported a total capital ratio of 14.79% for , and a tier 1 leverage ratio of 12.15%.
The available-for-sale portfolio of Midwest BankCentre showed an unrealized loss of $6.5 mn at ; the loss narrowed by $3.7 mn over the year.
Midwest BankCentre: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
Midwest BankCentre: unrealized securities gains and losses
- Available for sale -$7mn
- Held to maturity $0
Profitability and loan quality
For the year to , Midwest BankCentre earned a return on equity of 10.84%; return on assets: 1.34%. Net interest margin at Midwest BankCentre: 3.91%, +0.41 pp in a year. Midwest BankCentre net income: $20.3 mn, up 24.3% year on year. The efficiency ratio of Midwest BankCentre was 51.91%: about 52 cents cost per revenue dollar, against 70 cents at the median peer.
At , noncurrent loans were 1.07% of total loans at Midwest BankCentre; net charge-offs: 0.24% of average loans. Gross loans and leases at Midwest BankCentre: $2.4 bn, up 1.7% in a year.
Midwest BankCentre: profitability
- Return on equity 11%
- Net interest margin 3.9%
- Return on assets 1.3%
Peer group of Midwest BankCentre
The peer group of Midwest BankCentre is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Midwest BankCentre (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Missouri. Against them, Midwest BankCentre shows CET1 ratio 13.54% against a peer median of 13.44%, return on equity 10.84% against a peer median of 9.46% and uninsured deposit share 26.11% against a peer median of 29.76%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| UniBank for Savings | State nonmember bank | MA | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | State member bank | MO | $3.1 bn | 13.54% | 10.84% | 26.11% | |
| Guaranty Bank and Trust Company | State nonmember bank | MS | $3.1 bn | not reported | 9.91% | 24.45% | |
| BankNewport | State member bank | RI | $3.1 bn | 12.70% | 6.18% | 30.10% | |
| Lawrence Bank | State nonmember bank | TN | $3.0 bn | 12.86% | 9.01% | 25.92% | |
. FDIC Call Reports.
Last eight quarters
Two years at Midwest BankCentre, to : assets +11.4%, deposits +10.3%, equity +20.0%. Staff 279 to 282.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $316.8 mn | $317.5 mn | $324.6 mn | $337.2 mn | $346.6 mn | $369.1 mn | $374.2 mn | $380.0 mn |
| CET1 ratio | 12.41% | 12.13% | 12.42% | 12.39% | 12.72% | 13.30% | 13.65% | 13.54% |
| Return on equity (ROE) | 10.23% | 9.58% | 10.09% | 10.01% | 10.29% | 9.49% | 10.72% | 10.84% |
| Uninsured share of domestic deposits | 26.50% | 27.29% | 27.50% | 26.99% | 27.15% | 26.22% | 29.04% | 26.11% |
| Full-time equivalent employees | 279 | 276 | 281 | 279 | 276 | 274 | 279 | 282 |
| Number of offices | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Midwest BankCentre, oldest first; figures before and after each event are not like for like.
- . Absorbed Bremen Bank and Trust Company (FDIC certificate 1067).
Questions and identifiers
What were the total assets of Midwest BankCentre?
Midwest BankCentre reported $3.1 bn at in its Call Report. That makes Midwest BankCentre the 411th largest of 497 banks in our US coverage.
Is Midwest BankCentre the same as its holding company?
No. This page covers Midwest BankCentre, FDIC certificate 1058; STUPP BROS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Midwest BankCentre profitable?
Midwest BankCentre reported net income of $20.3 mn for the year to ; annualized return on equity: 10.84%. So yes: Midwest BankCentre made a profit over these months.
When is data for Midwest BankCentre next updated?
Figures from Midwest BankCentre for are due after .
Where can I check the figures for Midwest BankCentre?
In the FDIC BankFind Suite record for certificate 1058, and in the Call Reports of Midwest BankCentre (RSSD ID 657459) at the FFIEC Central Data Repository.