TellerScore

Midstates Bank, National Association (FDIC certificate #4465) is based in Council Bluffs, Iowa. Its Q2 2026 call report shows $653.9M in total assets and $570.2M in deposits and 10 offices.

Midstates Bank, National Association has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 62nd. Problem-loan coverage contributes the most (97/100, 1.7%); capital cushion contributes the least (66/100, 11.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.60%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings80/100
Return on assets (annualized): 1.49%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 73.7% · 30.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.66%

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

From Q2 2025 to Q2 2026, the score rose 10 points (69 → 79), mostly because the earnings component improved by 18 points.

TellerScore
627179Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202464
Q4 202465
Q1 202567
Q2 202569
Q3 202571
Q4 202576
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.40%11.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.07%
Q3 202410.33%
Q4 202410.34%
Q1 202510.65%
Q2 202510.88%
Q3 202511.44%
Q4 202511.64%
Q1 202611.80%
Q2 202611.60%
Noncurrent loans
0.29%0.65%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.01%
Q3 20240.93%
Q4 20240.77%
Q1 20250.99%
Q2 20250.75%
Q3 20250.74%
Q4 20250.29%
Q1 20260.34%
Q2 20260.29%
Return on assets
0.69%1.09%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.75%
Q4 20240.75%
Q1 20251.05%
Q2 20251.04%
Q3 20251.09%
Q4 20251.21%
Q1 20261.37%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$653.9M11.60%0.29%1.49%73.7%
Q1 202678$631.4M11.80%0.34%1.37%77.3%
Q4 202576$631.1M11.64%0.29%1.21%76.3%
Q3 202571$625.6M11.44%0.74%1.09%75.9%
Q2 202569$623.1M10.88%0.75%1.04%73.9%
Q1 202567$636.8M10.65%0.99%1.05%71.0%
Q4 202465$634.6M10.34%0.77%0.75%71.3%
Q3 202464$634.2M10.33%0.93%0.75%73.6%
Q2 202462$637.1M10.07%1.01%0.69%70.8%

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).

Capital ratio11.60%
60th
Total risk-based capital18.05%
81st
Problem loans0.29%
58th
Net charge-offs0.02%
40th
Return on assets1.49%
65th
Net interest margin3.86%
46th
Efficiency ratio54.5%
73rd
Loans to deposits73.7%
63rd
Uninsured deposits30.2%
28th
Loan-loss reserves2.14%
95th
Texas ratio1.7%
62nd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Clear Lake Bank and Trust CompanyBank Clear Lake, IA75 out of 100, Strong$649.3M8.5%0.00%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
Liberty National BankBank Sioux City, IA71 out of 100, Strong$624.4M10.3%0.00%vs
South Story Bank & TrustBank Slater, IA57 out of 100, Moderate$623.9M10.9%0.78%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs

Deposit insurance

Is my money safe at Midstates Bank, National Association?

Yes. Midstates Bank, National Association is an FDIC-insured institution (FDIC certificate #4465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.2% of deposits ($172.2M) 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 11.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.05% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Midstates Bank, National Association lists 10 offices in 10 cities. Most locations:

  • Avoca, IA (1)
  • Council Bluffs, IA (1)
  • Harlan, IA (1)
  • Kingsley, IA (1)
  • Le Mars, IA (1)
  • Minden, IA (1)
  • Missouri Valley, IA (1)
  • Mondamin, IA (1)
  • Neola, IA (1)
  • Sergeant Bluff, IA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Midstates Bank, National Association reported 101 home-loan applications under HMDA (LEI 2549002IXACRD1HE6A92): 94 originated ($17,990,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, 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
Midstates Bank, National Association
Former names
The Harlan National Bank
Type
National bank
FDIC certificate #
4465
RSSD ID
728948
Primary regulator
OCC
Holding company
Midstates Bancshares Inc
Established
January 1, 1913
Headquarters
1851 Madison Ave, Council Bluffs, IA 51503
Employees
93

Quick answers

Midstates Bank, National Association: common questions

Is Midstates Bank, National Association FDIC insured?

Yes. Midstates Bank, National Association is an FDIC-insured institution (FDIC certificate #4465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Midstates Bank, National Association's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Midstates Bank, National Association ever failed?

There is no failure record for FDIC certificate #4465 in the FDIC failed bank list.

How many branches does Midstates Bank, National Association have?

10 offices as of the latest FDIC data.

Nearby

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