TellerScore

Midwest Bank (FDIC certificate #3711) is based in Monmouth, Illinois. Its Q2 2026 call report shows $736.4M in total assets and $578.1M in deposits and 9 offices.

Based on its Q2 2026 filing, Midwest Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 213th. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is capital cushion (38/100; 8.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.80%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 74.8% · 27.0% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.08%

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 (65 → 66).

TellerScore
646566Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202465
Q4 202466
Q1 202564
Q2 202565
Q3 202564
Q4 202565
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%7.18%9.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.27%
Q3 20249.26%
Q4 20249.37%
Q1 20258.49%
Q2 20258.56%
Q3 20258.49%
Q4 20258.60%
Q1 20268.76%
Q2 20268.80%
Noncurrent loans
0.19%0.25%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.30%
Q4 20240.25%
Q1 20250.23%
Q2 20250.19%
Q3 20250.25%
Q4 20250.21%
Q1 20260.28%
Q2 20260.32%
Return on assets
0.61%0.82%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.62%
Q4 20240.61%
Q1 20250.67%
Q2 20250.74%
Q3 20250.81%
Q4 20250.79%
Q1 20261.01%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$736.4M8.80%0.32%1.02%74.8%
Q1 202666$702.8M8.76%0.28%1.01%80.4%
Q4 202565$703.4M8.60%0.21%0.79%78.8%
Q3 202564$697.5M8.49%0.25%0.81%75.5%
Q2 202565$694.7M8.56%0.19%0.74%74.4%
Q1 202564$673.7M8.49%0.23%0.67%73.2%
Q4 202466$677.0M9.37%0.25%0.61%74.1%
Q3 202465$681.7M9.26%0.30%0.62%71.9%
Q2 202466$669.5M9.27%0.20%0.65%73.9%

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 ratio8.80%
10th
Total risk-based capital15.43%
70th
Problem loans0.32%
56th
Net charge-offs0.03%
36th
Return on assets1.02%
35th
Net interest margin3.38%
23rd
Efficiency ratio59.0%
60th
Loans to deposits74.8%
60th
Uninsured deposits27.0%
39th
Loan-loss reserves1.24%
55th
Texas ratio2.1%
57th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
First Neighbor Bank, National AssociationBank Toledo, IL55 out of 100, Moderate$736.0M10.6%2.00%vs
Longview BankBank Ogden, IL62 out of 100, Moderate$732.1M8.4%0.80%vs
The Bradford National Bank of GreenvilleBank Greenville, IL58 out of 100, Moderate$722.8M8.9%1.92%vs
Albank National AssociationBank Chicago, IL70 out of 100, Strong$721.8M17.0%1.13%vs
Hickory Point Bank and TrustBank Decatur, IL77 out of 100, Strong$717.5M11.0%0.18%vs

Deposit insurance

Is my money safe at Midwest Bank?

Yes. Midwest Bank is an FDIC-insured institution (FDIC certificate #3711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.0% of deposits ($155.9M) 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 8.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.43% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Midwest Bank lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Midwest Bank reported 239 home-loan applications under HMDA (LEI 254900YK0G0T2WULHK84): 221 originated ($33,335,000 total), 7 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.9%, 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
The National Bank of Monmouth; Midwest Bank of Western Illinois
Type
State-chartered bank (Fed member)
FDIC certificate #
3711
RSSD ID
709143
Primary regulator
FED
Holding company
1870 Holdings Inc
Established
September 9, 1870
Headquarters
200 E Broadway, Monmouth, IL 61462
Employees
88

Quick answers

Midwest Bank: common questions

Is Midwest Bank FDIC insured?

Yes. Midwest Bank is an FDIC-insured institution (FDIC certificate #3711). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Midwest Bank's TellerScore?

66 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 #3711 in the FDIC failed bank list.

How many branches does Midwest Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Monmouth

InstitutionScoreAssetsCapitalProblem loansCompare
Galesburg Burlington Credit UnionCredit union Galesburg, IL96 out of 100, Very strong$56.8M28.5%0.23%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
Security Savings BankBank Monmouth, IL80 out of 100, Strong$241.4M13.0%0.30%vs
Community National Bank in MonmouthBank Monmouth, IL77 out of 100, Strong$55.1M13.1%0.90%vs
Blackhawk Bank & TrustBank Milan, IL76 out of 100, Strong$2.0B10.5%0.09%vs
Farmers State Bank of Western IllinoisBank Alpha, IL74 out of 100, Strong$167.3M14.1%1.74%vs