TellerScore

Headquartered in Dexter, Missouri, First Midwest Bank of Dexter is a state-chartered bank with $652.0M in total assets and $524.4M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1964.

First Midwest Bank of Dexter has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 114th. Earnings contributes the most (94/100, 1.86%); funding & liquidity contributes the least (35/100, 107% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.97%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings94/100
Return on assets (annualized): 1.86%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 106.7% · 32.0% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.92%

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 (68 → 69).

TellerScore
616569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202464
Q1 202567
Q2 202568
Q3 202569
Q4 202567
Q1 202666
Q2 202669
Tier 1 leverage ratio
5.00%7.98%10.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.05%
Q3 20248.91%
Q4 20249.47%
Q1 20259.44%
Q2 20259.48%
Q3 20259.51%
Q4 20259.66%
Q1 202610.54%
Q2 202610.97%
Noncurrent loans
0.08%0.49%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.10%
Q4 20240.09%
Q1 20250.09%
Q2 20250.16%
Q3 20250.08%
Q4 20250.23%
Q1 20260.89%
Q2 20260.79%
Return on assets
0.73%1.29%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.83%
Q4 20240.91%
Q1 20251.19%
Q2 20251.39%
Q3 20251.42%
Q4 20251.41%
Q1 20261.77%
Q2 20261.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$652.0M10.97%0.79%1.86%106.7%
Q1 202666$663.0M10.54%0.89%1.77%106.8%
Q4 202567$679.0M9.66%0.23%1.41%104.0%
Q3 202569$680.5M9.51%0.08%1.42%103.3%
Q2 202568$663.6M9.48%0.16%1.39%104.9%
Q1 202567$654.9M9.44%0.09%1.19%106.2%
Q4 202464$626.4M9.47%0.09%0.91%108.3%
Q3 202462$617.7M8.91%0.10%0.83%107.0%
Q2 202461$573.4M9.05%0.13%0.73%103.9%

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).

Capital ratio10.97%
50th
Total risk-based capital0.00%
24th
Problem loans0.79%
34th
Net charge-offs0.01%
46th
Return on assets1.86%
83rd
Net interest margin4.09%
59th
Efficiency ratio53.6%
75th
Loans to deposits106.7%
5th
Uninsured deposits32.0%
23rd
Loan-loss reserves0.95%
21st
Texas ratio5.9%
31st

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank and Trust Company, Inc.Bank Caruthersville, MO56 out of 100, Moderate$659.0M12.6%4.76%vs
Verimore BankBank Brookfield, MO76 out of 100, Strong$639.1M10.6%0.26%vs
Bank of OdessaBank Odessa, MO72 out of 100, Strong$667.1M13.7%2.12%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
Phelps County BankBank Rolla, MO61 out of 100, Moderate$621.7M8.9%1.16%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs

Deposit insurance

Is my money safe at First Midwest Bank of Dexter?

Yes. First Midwest Bank of Dexter is an FDIC-insured institution (FDIC certificate #19001). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.0% of deposits ($167.9M) 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 10.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

First Midwest Bank of Dexter lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Midwest Bank of Dexter reported 238 home-loan applications under HMDA (LEI 5493003IRCQIQ6T3QS04): 213 originated ($53,645,000 total), 5 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Midwest Bank of Dexter
Former names
First State Bank of Dexter; Dexter National Bank
Type
State-chartered bank
FDIC certificate #
19001
RSSD ID
770853
Primary regulator
FDIC
Holding company
Midwest Bcorp &affiliates Esop Tr
Established
January 15, 1964
Headquarters
819 West Business Highway 60, Dexter, MO 63841
Employees
95

Quick answers

First Midwest Bank of Dexter: common questions

Is First Midwest Bank of Dexter FDIC insured?

Yes. First Midwest Bank of Dexter is an FDIC-insured institution (FDIC certificate #19001). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Midwest Bank of Dexter's TellerScore?

69 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 First Midwest Bank of Dexter ever failed?

There is no failure record for FDIC certificate #19001 in the FDIC failed bank list.

How many branches does First Midwest Bank of Dexter have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dexter

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Cape Girardeau, MO84 out of 100, Strong$391.3M13.6%0.26%vs
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
Sikeston Public Schools Credit UnionCredit union Sikeston, MO79 out of 100, Strong$5.5M18.9%1.89%vs
Sterling BankBank Poplar Bluff, MO78 out of 100, Strong$1.6B11.1%0.35%vs
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs