Midwest National Bank is a national bank headquartered in Sandoval, Illinois, in business for about 116 years. At the end of Q2 2026 it reported $122.6M in total assets and $108.5M in deposits, with 2 offices.
Based on its Q2 2026 filing, Midwest National Bank scores 38/100, which we describe as low. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 316th. Its strongest component is funding & liquidity (64/100; 88% loans-to-deposits, 22% uninsured), and its lowest is earnings (21/100; 0.03%).
TellerScore · Q2 2026
Scorecard
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 fell 3 points (41 → 38), mostly because the loan quality component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 51 |
| Q4 2024 | 48 |
| Q1 2025 | 47 |
| Q2 2025 | 41 |
| Q3 2025 | 51 |
| Q4 2025 | 51 |
| Q1 2026 | 52 |
| Q2 2026 | 38 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.43% |
| Q3 2024 | 9.16% |
| Q4 2024 | 8.67% |
| Q1 2025 | 8.21% |
| Q2 2025 | 7.89% |
| Q3 2025 | 7.93% |
| Q4 2025 | 7.88% |
| Q1 2026 | 8.09% |
| Q2 2026 | 8.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.51% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.68% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.73% |
| Q2 2026 | 1.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.63% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.37% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 38 | $122.6M | 8.06% | 1.91% | 0.03% | 88.1% |
| Q1 2026 | 52 | $120.6M | 8.09% | 0.73% | 0.09% | 85.4% |
| Q4 2025 | 51 | $121.0M | 7.88% | 0.91% | 0.27% | 86.1% |
| Q3 2025 | 51 | $119.1M | 7.93% | 0.84% | 0.37% | 90.0% |
| Q2 2025 | 41 | $116.5M | 7.89% | 1.68% | 0.16% | 92.2% |
| Q1 2025 | 47 | $111.5M | 8.21% | 1.17% | 0.18% | 90.3% |
| Q4 2024 | 48 | $106.9M | 8.67% | 1.26% | 0.31% | 92.4% |
| Q3 2024 | 51 | $103.2M | 9.16% | 1.51% | 0.63% | 89.4% |
| Q2 2024 | 51 | $97.5M | 9.43% | 1.72% | 0.80% | 90.9% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Princeville State BankBank Princeville, IL | 46 out of 100, Below average | $124.4M | 9.2% | 6.42% | vs |
| First Community Bank of Moultrie CountyBank Sullivan, IL | 74 out of 100, Strong | $119.7M | 9.1% | 0.10% | vs |
| Chester National BankBank Chester, IL | 58 out of 100, Moderate | $125.7M | 6.0% | 0.00% | vs |
| Flora Bank & TrustBank Flora, IL | 68 out of 100, Moderate | $126.0M | 8.9% | 0.23% | vs |
| American Metro BankBank Chicago, IL | 76 out of 100, Strong | $119.1M | 13.1% | 0.00% | vs |
| The Granville National BankBank Granville, IL | 61 out of 100, Moderate | $118.4M | 11.1% | 2.21% | vs |
Deposit insurance
Is my money safe at Midwest National Bank?
Yes. Midwest National Bank is an FDIC-insured institution (FDIC certificate #3834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.1% of deposits ($24.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.63% (benchmark: 10%).
2 locations
Branches
Midwest National Bank lists 2 offices in 2 cities. Most locations:
- Aviston, IL (1)
- Sandoval, IL (1)
Identity & history
Profile
- Legal name
- Midwest National Bank
- Former names
- The First National Bank of Sandoval
- Type
- National bank
- FDIC certificate #
- 3834
- RSSD ID
- 122546
- Primary regulator
- OCC
- Holding company
- First Sandoval Bcorp Inc
- Established
- June 1, 1910
- Headquarters
- 302 N Main St, Sandoval, IL 62882
- Website
- www.midwestnationalbank.com
- Employees
- 24
Quick answers
Midwest National Bank: common questions
Is Midwest National Bank FDIC insured?
Yes. Midwest National Bank is an FDIC-insured institution (FDIC certificate #3834). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Midwest National Bank's TellerScore?
38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Midwest National Bank ever failed?
There is no failure record for FDIC certificate #3834 in the FDIC failed bank list.
How many branches does Midwest National Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sandoval
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Salem School System Credit UnionCredit union Salem, IL | 87 out of 100, Very strong | $2.2M | 30.9% | 0.00% | vs |
| Germantown Trust & Savings BankBank Breese, IL | 87 out of 100, Very strong | $523.6M | 11.6% | 0.13% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| Nashville Savings BankBank Nashville, IL | 84 out of 100, Strong | $107.9M | 12.9% | 0.00% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| The Peoples State Bank of Newton, IllinoisBank Newton, IL | 81 out of 100, Strong | $736.7M | 13.5% | 0.54% | vs |