TellerScore

Midwest BankCentre (FDIC certificate #1058) is based in Lemay, Missouri. Its Q2 2026 call report shows $3.1B in total assets and $2.5B in deposits and 18 offices.

Based on its Q2 2026 filing, Midwest BankCentre scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 112th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is funding & liquidity (52/100; 96% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Tier 1 leverage ratio: 12.15%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.07%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 95.6% · 26.1% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.48%

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
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202570
Q2 202568
Q3 202568
Q4 202564
Q1 202666
Q2 202669
Tier 1 leverage ratio
5.00%8.57%12.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.50%
Q3 202410.91%
Q4 202411.17%
Q1 202511.04%
Q2 202511.21%
Q3 202511.13%
Q4 202511.74%
Q1 202611.91%
Q2 202612.15%
Noncurrent loans
0.26%0.75%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.27%
Q4 20240.27%
Q1 20250.43%
Q2 20250.62%
Q3 20250.63%
Q4 20251.22%
Q1 20261.24%
Q2 20261.07%
Return on assets
1.04%1.19%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.11%
Q4 20241.04%
Q1 20251.14%
Q2 20251.13%
Q3 20251.17%
Q4 20251.10%
Q1 20261.32%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$3.1B12.15%1.07%1.34%95.6%
Q1 202666$3.0B11.91%1.24%1.32%94.1%
Q4 202564$3.0B11.74%1.22%1.10%96.9%
Q3 202568$3.0B11.13%0.63%1.17%96.0%
Q2 202568$3.0B11.21%0.62%1.13%95.4%
Q1 202570$2.9B11.04%0.43%1.14%94.9%
Q4 202471$2.8B11.17%0.27%1.04%95.4%
Q3 202471$2.8B10.91%0.27%1.11%93.4%
Q2 202470$2.8B10.50%0.26%1.07%92.1%

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 ratio12.15%
78th
Total risk-based capital14.79%
64th
Problem loans1.07%
25th
Net charge-offs0.24%
17th
Return on assets1.34%
58th
Net interest margin3.91%
63rd
Efficiency ratio51.9%
72nd
Loans to deposits95.6%
24th
Uninsured deposits26.1%
67th
Loan-loss reserves1.35%
75th
Texas ratio6.5%
29th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
North American Savings Bank, F.S.B.Bank Grandview, MO76 out of 100, Strong$3.2B14.2%0.90%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
Oakstar BankBank Springfield, MO69 out of 100, Moderate$3.3B9.8%0.48%vs
Lead BankBank Kansas City, MO44 out of 100, Below average$2.8B7.4%3.26%vs
Guaranty BankBank Springfield, MO68 out of 100, Moderate$2.4B12.3%0.88%vs
Omb BankBank Springfield, MO62 out of 100, Moderate$2.4B9.2%0.83%vs

Deposit insurance

Is my money safe at Midwest BankCentre?

Yes. Midwest BankCentre is an FDIC-insured institution (FDIC certificate #1058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($658.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.79% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

Midwest BankCentre lists 17 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Midwest BankCentre reported 727 home-loan applications under HMDA (LEI 549300OR2C7AGDZFTS24): 606 originated ($194,500,000 total), 33 denied, and 87 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, 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 BankCentre
Former names
Lemay Bank & Trust Company; Lemay Ferry Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1058
RSSD ID
657459
Primary regulator
FED
Holding company
Stupp Bros Inc
Established
March 1, 1906
Headquarters
2191 Lemay Ferry Rd, Lemay, MO 63125
Employees
282

Quick answers

Midwest BankCentre: common questions

Is Midwest BankCentre FDIC insured?

Yes. Midwest BankCentre is an FDIC-insured institution (FDIC certificate #1058). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Midwest BankCentre'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 Midwest BankCentre ever failed?

There is no failure record for FDIC certificate #1058 in the FDIC failed bank list.

How many branches does Midwest BankCentre have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lemay

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs