TellerScore

Midwest Bank is a state-chartered bank (fed member) headquartered in Pierce, Nebraska, in business for about 144 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 11 offices.

Based on its Q2 2026 filing, Midwest Bank scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 110th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is capital cushion (44/100; 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.40%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 86.2% · 34.6% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.27%

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 (64 → 64).

TellerScore
616365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202565
Q2 202564
Q3 202564
Q4 202561
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%7.22%9.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.35%
Q3 20249.37%
Q4 20249.45%
Q1 20259.16%
Q2 20259.21%
Q3 20259.16%
Q4 20259.31%
Q1 20269.12%
Q2 20269.40%
Noncurrent loans
0.00%0.26%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.00%
Q1 20250.01%
Q2 20250.10%
Q3 20250.25%
Q4 20250.51%
Q1 20260.37%
Q2 20260.44%
Return on assets
0.53%0.81%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.53%
Q3 20240.60%
Q4 20240.62%
Q1 20250.79%
Q2 20250.80%
Q3 20250.87%
Q4 20250.86%
Q1 20260.98%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.2B9.40%0.44%1.10%86.2%
Q1 202664$1.2B9.12%0.37%0.98%84.7%
Q4 202561$1.3B9.31%0.51%0.86%88.8%
Q3 202564$1.2B9.16%0.25%0.87%90.0%
Q2 202564$1.2B9.21%0.10%0.80%90.9%
Q1 202565$1.2B9.16%0.01%0.79%91.2%
Q4 202465$1.2B9.45%0.00%0.62%92.5%
Q3 202465$1.1B9.37%0.01%0.60%83.8%
Q2 202464$1.1B9.35%0.01%0.53%88.5%

897 peers · $1 billion – $10 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 ratio9.40%
21st
Total risk-based capital0.00%
13th
Problem loans0.44%
56th
Net charge-offs0.00%
79th
Return on assets1.10%
38th
Net interest margin3.69%
49th
Efficiency ratio62.6%
38th
Loans to deposits86.2%
52nd
Uninsured deposits34.6%
40th
Loan-loss reserves1.58%
89th
Texas ratio3.3%
53rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Dayspring BankBank Gothenburg, NE58 out of 100, Moderate$1.2B10.7%1.73%vs
Platte Valley BankBank Scottsbluff, NE66 out of 100, Moderate$1.2B9.5%0.57%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Adams Bank & TrustBank Ogallala, NE82 out of 100, Strong$1.3B14.1%0.55%vs
First State Bank NebraskaBank Lincoln, NE71 out of 100, Strong$1.1B9.0%0.24%vs
Access BankBank Omaha, NE65 out of 100, Moderate$1.1B10.7%0.51%vs

Deposit insurance

Is my money safe at Midwest Bank?

Yes. Midwest Bank is an FDIC-insured institution (FDIC certificate #13255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.6% of deposits ($360.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.40%, 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

11 locations

Branches

Midwest Bank lists 11 offices in 9 cities. Most locations:

  • Lincoln, NE (2)
  • Norfolk, NE (2)
  • Creighton, NE (1)
  • Deshler, NE (1)
  • Pierce, NE (1)
  • Pilger, NE (1)
  • Plainview, NE (1)
  • Wisner, NE (1)
  • York, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Midwest Bank reported 245 home-loan applications under HMDA (LEI 254900XRXNP494I3AE51): 181 originated ($53,385,000 total), 26 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.8%, 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
Midwest Bank
Former names
Cones State Bank; Midwest Bank National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
13255
RSSD ID
669555
Primary regulator
FED
Holding company
Midwest Banc Holding Co
Established
January 1, 1882
Headquarters
114 W Main St, Pierce, NE 68767
Employees
176

Quick answers

Midwest Bank: common questions

Is Midwest Bank FDIC insured?

Yes. Midwest Bank is an FDIC-insured institution (FDIC certificate #13255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Midwest Bank's TellerScore?

64 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 Midwest Bank ever failed?

There is no failure record for FDIC certificate #13255 in the FDIC failed bank list.

How many branches does Midwest Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pierce

InstitutionScoreAssetsCapitalProblem loansCompare
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs
Security BankBank Laurel, NE78 out of 100, Strong$309.9M13.3%0.63%vs