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Midstates Bank, National Association
Council Bluffs, IA · FDIC Certificate #4465 · Chartered 01/0
Total assets
$653.87M
Total deposits
$570.21M
Total equity
$66.33M
Net loans
$420.30M
Branches (offices)
10
Net income (YTD)
$4.76M
Rank: #1,447 of 4,213 U.S. banks by assets · #41 of 225 in Iowa. Assets changed 4.9% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 14.41% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 10.14% |
| Tier 1 leverage ratio | 11.60% |
| Uninsured deposits (share of deposits) | 30.2% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 73.7% |
| Real estate loans (share of loans) | 67.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $285.35M | 67.9% | |
| Commercial & industrial | $23.99M | 5.7% | |
| Consumer / individual | $2.82M | 0.7% | |
| Construction & development | $20.67M | 4.9% | |
| Agricultural | $100.80M | 24.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $643.99M | $586.98M | $4.27M | $43.11M |
| Jun 2023 | $644.66M | $559.57M | $2.33M | $40.52M |
| Jun 2024 | $637.14M | $555.97M | $2.22M | $47.04M |
| Jun 2025 | $623.11M | $537.77M | $3.28M | $58.47M |
| Jun 2026 | $653.87M | $570.21M | $4.76M | $66.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $570.21M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $570.21M.
Similar-sized banks
Middlesex Federal Savings, F.A. ($654.37M) · Pacific Valley Bank ($653.30M)
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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