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Midwest Bankcentre
Lemay, MO · FDIC Certificate #1058 · Chartered 03/0
Total assets
$3.07B
Total deposits
$2.52B
Total equity
$380.04M
Net loans
$2.41B
Branches (offices)
18
Net income (YTD)
$20.30M
Rank: #417 of 4,213 U.S. banks by assets · #15 of 190 in Missouri. Assets changed 3.2% and deposits 1.5% 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 | 10.84% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 12.38% |
| Tier 1 leverage ratio | 12.15% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 1.07% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 95.6% |
| Real estate loans (share of loans) | 75.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.83B | 75.7% | |
| Commercial & industrial | $539.36M | 22.4% | |
| Consumer / individual | $78.80M | 3.3% | |
| Construction & development | $269.99M | 11.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.43B | $1.91B | $12.41M | $266.04M |
| Jun 2023 | $2.67B | $2.24B | $14.71M | $277.37M |
| Jun 2024 | $2.79B | $2.32B | $14.73M | $296.59M |
| Jun 2025 | $2.97B | $2.49B | $16.33M | $337.19M |
| Jun 2026 | $3.07B | $2.52B | $20.30M | $380.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $2.52B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.52B.
Similar-sized banks
Cb&S Bank, Inc. ($3.07B) · Guaranty Bank And Trust Company ($3.07B)
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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