🏦Bank Scorer

MIDSTATES BANK, NATIONAL ASSOCIATION

COUNCIL BLUFFS, IA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1913FDIC #4,465
Satisfactory Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.37%

Institution Profile

FDIC BankFind

Address

1851 Madison Ave, COUNCIL BLUFFS, IA

County

Pottawattamie County

Established

January 1, 1913

Total Assets

$631M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 26, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$631M

Total Deposits

$543M

Net Loans

$420M

Net Income

$2M

ROA

1.37%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.12%

Risk-Based Capital

17.83%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.37%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.83%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate1.98%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$538M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202410187.13%1.98%
202312297.54%0.82%
202217792.09%4.52%
202117889.89%2.25%
202013692.65%2.94%
201912191.74%0.83%
20189174.73%4.40%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Jun 2023SatisfactoryIntermediate Small Bank
Jul 2020SatisfactoryIntermediate Small Bank
Apr 2017SatisfactoryIntermediate Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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