This institution is no longer active

Operations ceased on February 13, 2026. CRA examination history below reflects the period it was active.

MIDWESTONE BANK

IOWA CITY, IA · Supervised by FDIC

Est. 1934FDIC #14,843RSSD: FDIC-14843

Part ofMIDWESTONE FINANCIAL GROUP INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.12%

Institution Profile

FDIC BankFind

Address

102 S Clinton St, IOWA CITY, IA

County

Johnson County

Established

October 15, 1934

Total Assets

$6.3B(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

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$6.3B

Total Deposits

$5.5B

Net Loans

$4.5B

Net Income

$70M

ROA

1.12%

Above avg for Community banks. Peer avg: 0.90%

ROE

10.22%

Risk-Based Capital

14.02%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.12%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.02%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate17.81%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$5.4B

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	1,892	71.41%	17.81%
2022	2,455	77.72%	13.03%
2021	3,842	79.67%	10.28%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2025	Satisfactory	Large Bank
Aug 2022	Satisfactory	Large Bank
Apr 2019	Satisfactory	Large Bank

11 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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