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Midwest BankCentre

For information concerning Rising Bank, a division of Midwest BankCentre online bank, please click here .

ACH Number: 81000524

Midwest BankCentre is an FDIC insured institution headquartered at 2191 Lemay Ferry Rd, Lemay, MO 63125.
It was founded in 1906 and has approximately $3 billion in assets. Customers can open an account at one of its 25 branches.

Deposit Rates - February 07, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
24 Mo CD
0.50% $10,000 Compare
24 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.55% $100,000 Compare
48 Mo CD
0.55% $10,000 Compare
48 Mo CD
0.55% $100,000 Compare
60 Mo CD
0.75% $10,000 Compare
60 Mo CD
0.75% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $1
Int Ckg
0.10% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1058
Date Established 1906
Assets $ 2.98 billion
Loans $ 2.39 billion
Deposits $ 2.49 billion
Capital $ 346.58 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 78.84 million
Interest-bearing balances $ 57.82 million
Total securities $ 313.75 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.39 billion
Loan loss allowance $ 35.10 million
Trading account assets $ 3.12 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.62 million
Goodwill and other intangibles $ 18.09 million
All other assets $ 125.81 million
     Total Assets $ 2.64 billion

LIABILITIES
Total deposits $ 2.49 billion
      Interest-bearing deposits $ 2.40 billion
      Deposits held in domestic offices $ 2.49 billion
      % insured (estimated)" 72.90%
Federal funds purchased and repurchase agreements $ 11.91 million
Trading liabilities $ 3.12 million
Other borrowed funds $ 145.00 million
Subordinated debt N.A.
All other liabilities $ 24.54 millionn
      Total Liabilities $ 2.64 billion
      Shareholders’ Equity $ 346.58 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 117.42 million
Total Interest Expense $ 44.98 million
Net interest income $ 72.44 million
Provision for loan and lease losses $ 4.32 million
Total non interest income $ 11.55 million
Total non interest expense $ 47.06 million
Pre-tax Net Operating Income $ 14.60 million

Customer Reviews for Midwest BankCentre (1)

Rated 4.00 stars out of 5 - based on 1 reviews

  • This account is great. Had first opened an online savings account and then I locked into the 18-month No Penalty CD. While interest is still lost if you get out before a quarterly payment date, it provides all the flexibility I need and gives a slightly higher rate. Phone support was excellent and works around some quirks in an imperfect website.

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Branches

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Your current location is: Seattle, WA

Midwest BankCentre Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Midwest BankCentre
    Bank
    MISSOURI
    $50,000
    N.A.
    0.05%
    0.22x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.05%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 25 18
    2 50,025 25 18
    3 50,050 25 18
    4 50,075 25 18
    5 50,100 25 18
    6 50,125 25 18
    7 50,150 25 18
    8 50,175 25 18
    9 50,200 25 18
    10 50,225 25 18
    11 50,251 25 18
    12 50,276 25 18
    13 50,301 25 18
    14 50,326 25 18
    15 50,351 25 18
    16 50,376 25 18
    17 50,402 25 18
    18 50,427 25 18
    19 50,452 25 18
    20 50,477 25 18
    TOTAL $502 $352
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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