TellerScore

Midwest Independent BankersBank is a state-chartered bank (fed member) headquartered in Jefferson City, Missouri, in business for about 41 years. At the end of Q2 2026 it reported $341.4M in total assets and $259.4M in deposits, with 2 offices.

Based on its Q2 2026 filing, Midwest Independent BankersBank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 33rd. Its strongest component is capital cushion (100/100; 15.26%), and its lowest is funding & liquidity (19/100; 92% loans-to-deposits, 59% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.26%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity19/100
Loans ÷ deposits and uninsured-deposit share: 92.1% · 59.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 (84 → 83).

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202478
Q1 202581
Q2 202584
Q3 202584
Q4 202583
Q1 202683
Q2 202683
Tier 1 leverage ratio
5.00%10.13%15.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.29%
Q3 202414.66%
Q4 202413.56%
Q1 202513.88%
Q2 202513.92%
Q3 202514.33%
Q4 202514.11%
Q1 202614.75%
Q2 202615.26%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.17%1.49%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.20%
Q4 20241.30%
Q1 20251.62%
Q2 20251.73%
Q3 20251.78%
Q4 20251.81%
Q1 20261.51%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$341.4M15.26%0.00%1.38%92.1%
Q1 202683$339.5M14.75%0.00%1.51%93.1%
Q4 202583$359.2M14.11%0.00%1.81%94.9%
Q3 202584$345.4M14.33%0.00%1.78%93.7%
Q2 202584$344.4M13.92%0.00%1.73%84.7%
Q1 202581$334.0M13.88%0.00%1.62%100.2%
Q4 202478$332.7M13.56%0.00%1.30%98.9%
Q3 202481$317.0M14.66%0.00%1.20%100.0%
Q2 202481$317.4M14.29%0.00%1.17%86.0%

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 ratio15.26%
88th
Total risk-based capital17.68%
80th
Problem loans0.00%
94th
Net charge-offs-0.07%
97th
Return on assets1.38%
58th
Net interest margin3.98%
52nd
Efficiency ratio68.2%
34th
Loans to deposits92.1%
22nd
Uninsured deposits59.1%
2nd
Loan-loss reserves1.94%
93rd
Texas ratio0.0%
95th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange Bank Co.Bank Kahoka, MO69 out of 100, Moderate$341.5M9.1%1.33%vs
Ozark BankBank Ozark, MO55 out of 100, Moderate$341.0M9.2%1.47%vs
Farmers and Merchants Bank of St. ClairBank Saint Clair, MO84 out of 100, Strong$343.5M12.8%0.00%vs
Community Bank of RaymoreBank Raymore, MO79 out of 100, Strong$346.9M9.7%0.05%vs
Heritage Community BankBank Union, MO59 out of 100, Moderate$347.8M8.3%0.59%vs
Community State Bank of MissouriBank Bowling Green, MO80 out of 100, Strong$333.9M11.0%0.26%vs

Deposit insurance

Is my money safe at Midwest Independent BankersBank?

Yes. Midwest Independent BankersBank is an FDIC-insured institution (FDIC certificate #25849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 59.1% of deposits ($153.4M) 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 15.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.68% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Midwest Independent BankersBank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Midwest Independent BankersBank
Former names
Midwest Independent Bank; Missouri Independent Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
25849
RSSD ID
977250
Primary regulator
FED
Holding company
Midwest Ind Bancshares Inc
Established
January 7, 1985
Headquarters
910 Weathered Rock Rd, Jefferson City, MO 65101
Employees
33

Quick answers

Midwest Independent BankersBank: common questions

Is Midwest Independent BankersBank FDIC insured?

Yes. Midwest Independent BankersBank is an FDIC-insured institution (FDIC certificate #25849). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Midwest Independent BankersBank's TellerScore?

83 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 Midwest Independent BankersBank ever failed?

There is no failure record for FDIC certificate #25849 in the FDIC failed bank list.

How many branches does Midwest Independent BankersBank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jefferson City

InstitutionScoreAssetsCapitalProblem loansCompare
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
Farmers Bank of Lohman, MissouriBank Jefferson City, MO93 out of 100, Very strong$82.9M17.1%0.02%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
Civic Central Credit UnionCredit union Jefferson City, MO86 out of 100, Very strong$105.0M13.8%0.48%vs