Midwest Regional Bank (FDIC certificate #8889) is based in Clayton, Missouri. Its Q2 2026 call report shows $949.0M in total assets and $840.1M in deposits and 7 offices.
Midwest Regional Bank has a TellerScore of 26 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 194th. Funding & liquidity contributes the most (58/100, 89% loans-to-deposits, 27% uninsured); earnings contributes the least (0/100, -1.34%).
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 7 points (33 → 26), mostly because the earnings component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 61 |
| Q4 2024 | 48 |
| Q1 2025 | 34 |
| Q2 2025 | 33 |
| Q3 2025 | 32 |
| Q4 2025 | 32 |
| Q1 2026 | 37 |
| Q2 2026 | 26 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.26% |
| Q3 2024 | 9.36% |
| Q4 2024 | 9.28% |
| Q1 2025 | 9.76% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.81% |
| Q4 2025 | 10.09% |
| Q1 2026 | 10.68% |
| Q2 2026 | 10.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.76% |
| Q4 2024 | 2.11% |
| Q1 2025 | 5.44% |
| Q2 2025 | 4.66% |
| Q3 2025 | 5.01% |
| Q4 2025 | 5.62% |
| Q1 2026 | 6.17% |
| Q2 2026 | 6.61% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.67% |
| Q2 2026 | -1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 26 | $949.0M | 10.23% | 6.61% | -1.34% | 88.9% |
| Q1 2026 | 37 | $989.8M | 10.68% | 6.17% | 0.67% | 91.5% |
| Q4 2025 | 32 | $1.0B | 10.09% | 5.62% | 0.21% | 92.2% |
| Q3 2025 | 32 | $1.1B | 9.81% | 5.01% | 0.29% | 92.6% |
| Q2 2025 | 33 | $1.1B | 9.73% | 4.66% | 0.26% | 92.4% |
| Q1 2025 | 34 | $1.1B | 9.76% | 5.44% | 0.53% | 90.8% |
| Q4 2024 | 48 | $1.1B | 9.28% | 2.11% | 0.89% | 91.3% |
| Q3 2024 | 61 | $1.1B | 9.36% | 0.76% | 0.86% | 91.0% |
| Q2 2024 | 60 | $1.1B | 9.26% | 0.78% | 0.81% | 91.1% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Bank of FreedomBank Wellsville, MO | 53 out of 100, Below average | $948.3M | 10.0% | 1.54% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Stifel Trust Company, National AssociationBank Saint Louis, MO | 70 out of 100, Strong | $911.0M | 7.5% | 0.00% | vs |
| Peoples Bank & Trust Co.Bank Troy, MO | 58 out of 100, Moderate | $908.3M | 10.0% | 2.27% | vs |
| First Federal Bank of Kansas CityBank Lees Summit, MO | 64 out of 100, Moderate | $992.5M | 11.3% | 0.45% | vs |
Deposit insurance
Is my money safe at Midwest Regional Bank?
Yes. Midwest Regional Bank is an FDIC-insured institution (FDIC certificate #8889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.8% of deposits ($224.8M) 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 10.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.67% (benchmark: 10%).
7 locations
Branches
Midwest Regional Bank lists 7 offices in 7 cities. Most locations:
- Arnold, MO (1)
- Chesterfield, MO (1)
- Clayton, MO (1)
- Festus, MO (1)
- Kirkwood, MO (1)
- Otterville, MO (1)
- Saint Louis, MO (1)
Identity & history
Profile
- Legal name
- Midwest Regional Bank
- Former names
- The Bank of Otterville; Citizens Bank of Otterville
- Type
- State-chartered bank
- FDIC certificate #
- 8889
- RSSD ID
- 691958
- Primary regulator
- FDIC
- Holding company
- Midwest Regional Bcorp Inc
- Established
- June 13, 1894
- Headquarters
- 135 N Meramec Ave, Clayton, MO 63105
- Website
- www.mwrbank.com
- Employees
- 136
Quick answers
Midwest Regional Bank: common questions
Is Midwest Regional Bank FDIC insured?
Yes. Midwest Regional Bank is an FDIC-insured institution (FDIC certificate #8889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Midwest Regional Bank's TellerScore?
26 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 Regional Bank ever failed?
There is no failure record for FDIC certificate #8889 in the FDIC failed bank list.
How many branches does Midwest Regional Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clayton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| State Employees Community Credit UnionCredit union Alton, IL | 89 out of 100, Very strong | $6.7M | 20.0% | 0.00% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |