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Midwestone Bank

IDRSSD: 836843
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q3QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #836843 2025-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.39% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ +4
80
Sub-score

Liquidity is strong: brokered 3.6%, loans/deposits 79.9%, cash 4.4% of assets.

Cash / Assets
4.36%
Loans / Deposits
79.88%
Brokered %
3.65%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.34%
No watch items at this period.

Capitalization

StrongQoQ -2
87
Sub-score

Capital position is strong: Tier 1 RBC 12.78%, CET1 12.78%, leverage 10.22%.

Tier 1 RBC
12.78%
CET1
12.78%
Leverage
10.22%
No watch items at this period.

Asset Quality

StrongQoQ -10
87
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 4.3%, NCO YTD 1.39%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
1.39%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.39% of loans.

Reserves

StrongQoQ -12
83
Sub-score

Reserves are strong: ALLL 1.17% of loans, coverage 173.0%, true coverage 143.6%.

ALLL / Loans
1.17%
Coverage
173.0%
True Loss Coverage
143.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 08:30:06 UTC