🏦Bank Scorer

BANK MIDWEST

SPIRIT LAKE, IA · Supervised by Federal Reserve (FRB)

Est. 1887FDIC #5,170RSSD: FRB-45551
Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.00%

Institution Profile

FDIC BankFind

Address

1800 Royal Ave, SPIRIT LAKE, IA

County

Dickinson County

Established

January 1, 1887

Total Assets

$1.3B(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

May 19, 2025

Exam Type

Intermediate Small Bank

Regulator

Federal Reserve (FRB)
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.1B

Net Loans

$1.0B

Net Income

$3M

ROA

1.00%

ROE

10.23%

Risk-Based Capital

12.96%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$1.2B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2009

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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