Midwest Heritage Bank, FSB
West Des Moines, IA
IDRSSD: 203043
Total Assets
$478.45M
Latest filing
Total Deposits
$344.14M
Latest filing
Net Interest Margin
3.88%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Midwest Heritage Bank, FSB
3580 Ep True Pkwy
West Des Moines, IA 50265
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1930FDIC Certificate 2928
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Midwest Heritage Bank, FSB (Main) | 3580 Ep True Pkwy | West Des Moines, IA |
| WINDSOR HEIGHTS BRANCH | 7101 University Ave | Windsor Heights, IA |
| AMES BRANCH | 640 Lincoln Way | Ames, IA |
| 74TH STREET BRANCH | 1725 74th St | West Des Moines, IA |
| URBANDALE BRANCH | 8701 Douglas Ave | Urbandale, IA |
| FLEUR DRIVE | 4605 Fleur Dr | Des Moines, IA |
| CHARITON BRANCH | 1025 Braden Ave | Chariton, IA |
| OVERLAND PARK HY-VEE BRANCH | 8900 W 135th St | Overland Park, KS |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 04/01/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50265 |
| State and County Number | 19153 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Des Moines-West Des Moines, IA |
Operational Info
| Number of Employees | 149 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 02/09/1995 |
| Primary Insurance Agency | DIF |
| Website | www.midwestheritage.com |
| Data Updated | 11/14/2025 |
| CERT | 4432 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $478.45M |
| Total Deposits | $344.14M |
| Total Liabilities | $412.22M |
| Total Equity Capital | $66.23M |
| Net Income | $1.73M |
| Net Loans and Leases | $385.96M |
| Assets Per Employee ($Millions) | $3.37M |
| Bank Premises and Fixed Assets | $9.64M |
| Cash and Balances due from Depository Institutions | $15.50M |
| Deposits Held in Domestic Offices | $344.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.42% |
| Return on Equity (ROE) | 10.59% |
| Net Interest Margin | 3.88% |
| Efficiency Ratio | 72.13% |
| Tier 1 Risk-Based Capital Ratio | 16.46% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.843% |
| Earning Assets to total Assets | 92.23% |
Income and Expense
| Total Interest Income | $6.79M |
| Total Noninterest Income | $4.25M |
| Total Interest Expense | $2.44M |
| Total Noninterest Expense | $6.20M |
| Net Interest Income | $4.35M |
| Pre-tax Net Operating Income | $2.31M |
| Provision for Credit Losses | $80.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $59.09M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.54M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.99M |
| Total Liabilities and Capital | $478.45M |
Securities
| Securities | $39.01M |
| Available-for-sale debt securities | $39.01M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Midwest Heritage Bank, FSB?
$478.45M as of the latest filing.
How much are Midwest Heritage Bank, FSB's total deposits?
$344.14M in total deposits.
Where is Midwest Heritage Bank, FSB located?
West Des Moines, IA.
What is the Net Interest Margin?
3.88%.
How many domestic offices does it operate?
9.
When was it established?
04/01/1930.
What is the Return on Assets (ROA)?
1.42%.
How much are total loans and leases?
$385.96M (latest filing).
What is the total interest income (latest filing)?
$6.79M.