Midwest Heritage Bank FSB (FDIC #4432): Bank Stress & Real-Estate Credit Exposure
Midwest Heritage Bank FSB (FDIC Cert #4432): bank stress 48/100, moderate, STABLE over 7 days; parent HY-VEE INC.
Midwest Heritage Bank FSB (#4432) lends in 6 counties across 2 states; Midwest Heritage Bank FSB (#4432) reaches 132 ZIP codes: Iowa 5 counties, 97 ZIPs; Kansas 1 county, 35 ZIPs.
Midwest Heritage Bank FSB (#4432) largest markets: Polk County, IA (252 branches, 42 ZIPs) (#4432), Johnson County, KS (35 branches, 35 ZIPs) (#4432), Story County, IA (23 branches, 23 ZIPs) (#4432), Carroll County, IA (51 branches, 17 ZIPs) (#4432), Calhoun County, IA (15 branches, 15 ZIPs) (#4432), Lucas County, IA (9 branches, 9 ZIPs) (#4432).
Midwest Heritage Bank FSB (#4432) reports $768.3 million in total assets; Midwest Heritage Bank FSB (#4432) equity $92.9 million (12.1% of Midwest Heritage Bank FSB (#4432) assets); Midwest Heritage Bank FSB (#4432) domestic deposits $649.6 million; Midwest Heritage Bank FSB (#4432) net income $5.1 million; Midwest Heritage Bank FSB (#4432) return on assets 1.75%; Midwest Heritage Bank FSB (#4432) return on equity 13.26%; Midwest Heritage Bank FSB (#4432) net interest income $11.2 million; Midwest Heritage Bank FSB (#4432) call report June 30, 2026.
Midwest Heritage Bank FSB (#4432) noncurrent real-estate loans: none reported; Midwest Heritage Bank FSB (#4432) net charge-offs on real estate 2.32%; Midwest Heritage Bank FSB (#4432) multifamily charge-offs 60.42%; Midwest Heritage Bank FSB (#4432) residential charge-offs 2.09%.
Midwest Heritage Bank FSB (#4432) net interest margin 4.12% against an eight-quarter Midwest Heritage Bank FSB (#4432) average of 3.79% (Midwest Heritage Bank FSB (#4432) compression -0.33 points); Midwest Heritage Bank FSB (#4432) non-residential real estate 208.6% of equity; Midwest Heritage Bank FSB (#4432) rate-exposure score 40/100, Midwest Heritage Bank FSB (#4432) fixed-rate trap 40/100; Midwest Heritage Bank FSB (#4432) risk type credit driven; Midwest Heritage Bank FSB (#4432) rate regime rates elevated, Midwest Heritage Bank FSB (#4432) snapshot October 19, 2026.
Midwest Heritage Bank FSB (#4432) stress score moved from 55.6 on June 22, 2026 to 48.2 on October 19, 2026; Midwest Heritage Bank FSB (#4432) ranged 48.2 to 55.6 over 116 snapshots.
Midwest Heritage Bank FSB (#4432) alerts: 6 counties; top Midwest Heritage Bank FSB (#4432) alert scores: Ames County, IA 19 (low); Chariton County, IA 19 (low); Glidden County, IA 19 (low); Lake City County, IA 19 (low); Overland Park County, IA 19 (low).