Citizens Bank of the Midwest is a state-chartered bank headquartered in Rolla, Missouri, in business for about 82 years. At the end of Q2 2026 it reported $238.3M in total assets and $191.6M in deposits, with 3 offices.
Based on its Q2 2026 filing, Citizens Bank of the Midwest scores 55/100, which we describe as moderate. That is higher than only 11% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 172nd. Its strongest component is loan quality (89/100; 0.33%), and its lowest is problem-loan coverage (24/100; 37.9%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 55).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 60 |
| Q2 2025 | 56 |
| Q3 2025 | 56 |
| Q4 2025 | 57 |
| Q1 2026 | 57 |
| Q2 2026 | 55 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.52% |
| Q3 2024 | 8.65% |
| Q4 2024 | 8.68% |
| Q1 2025 | 8.72% |
| Q2 2025 | 8.34% |
| Q3 2025 | 8.29% |
| Q4 2025 | 8.60% |
| Q1 2026 | 8.11% |
| Q2 2026 | 8.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.16% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.77% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.12% |
| Q2 2026 | 1.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $238.3M | 8.39% | 0.33% | 1.03% | 85.5% |
| Q1 2026 | 57 | $249.4M | 8.11% | 0.16% | 1.12% | 78.6% |
| Q4 2025 | 57 | $240.7M | 8.60% | 0.19% | 1.07% | 83.5% |
| Q3 2025 | 56 | $236.7M | 8.29% | 0.25% | 1.17% | 85.2% |
| Q2 2025 | 56 | $238.4M | 8.34% | 0.22% | 1.19% | 81.4% |
| Q1 2025 | 60 | $225.6M | 8.72% | 0.20% | 1.32% | 77.9% |
| Q4 2024 | 58 | $208.7M | 8.68% | 0.26% | 0.77% | 82.3% |
| Q3 2024 | 58 | $213.9M | 8.65% | 0.37% | 0.82% | 88.5% |
| Q2 2024 | 59 | $207.5M | 8.52% | 0.22% | 0.76% | 85.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of GrandinBank Grandin, MO | 64 out of 100, Moderate | $241.0M | 14.7% | 2.88% | vs |
| St. Clair County State BankBank Osceola, MO | 87 out of 100, Very strong | $231.8M | 13.5% | 0.24% | vs |
| Bank of WestonBank Weston, MO | 68 out of 100, Moderate | $246.5M | 8.8% | 0.90% | vs |
| Citizens Bank of EldonBank Eldon, MO | 76 out of 100, Strong | $247.3M | 11.5% | 0.90% | vs |
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |
| First State Bank of the OzarksBank Purdy, MO | 55 out of 100, Moderate | $248.9M | 8.1% | 1.55% | vs |
Deposit insurance
Is my money safe at Citizens Bank of the Midwest?
Yes. Citizens Bank of the Midwest is an FDIC-insured institution (FDIC certificate #16126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.7% of deposits ($60.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.03% (benchmark: 10%).
3 locations
Branches
Citizens Bank of the Midwest lists 3 offices in 3 cities. Most locations:
- Doolittle, MO (1)
- Rolla, MO (1)
- St. Robert, MO (1)
Identity & history
Profile
- Legal name
- Citizens Bank of the Midwest
- Former names
- Fort Leonard Wood Bank; Citizens Bank of Newburg
- Type
- State-chartered bank
- FDIC certificate #
- 16126
- RSSD ID
- 44750
- Primary regulator
- FDIC
- Holding company
- Newburg Insurance Agency Inc
- Established
- February 28, 1944
- Headquarters
- 1515 Martin Springs Dr, Rolla, MO 65401
- Website
- www.cbmw.bank
- Employees
- 35
Quick answers
Citizens Bank of the Midwest: common questions
Is Citizens Bank of the Midwest FDIC insured?
Yes. Citizens Bank of the Midwest is an FDIC-insured institution (FDIC certificate #16126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of the Midwest's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of the Midwest ever failed?
There is no failure record for FDIC certificate #16126 in the FDIC failed bank list.
How many branches does Citizens Bank of the Midwest have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Rolla
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |
| First State Community BankBank Farmington, MO | 73 out of 100, Strong | $4.5B | 11.7% | 1.07% | vs |