Bank · FDIC insured
Midstates Bank
A $653.9M bank headquartered in Council Bluffs, IA, with 10 branches in Iowa.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—1.99%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Midstates Bank
Established in 1872, Midstates Bank is a locally owned and operated financial institution.
The bank operates across western Iowa with 10 branch locations in Avoca, Council Bluffs, Harlan, Kingsley, Le Mars, Minden, Missouri Valley, Mondamin, Neola, and Sergeant Bluff.
- Headquarters
- 1851 Madison Ave, Council Bluffs, IA 51503
- FDIC certificate
- 4465 ↗
Branches
10 branches in Iowa
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Iowa
10 branches
Council Bluffs area · 1
- Midstates Bank, National AssociationMain office1851 Madison Ave, Council Bluffs, IA 51503Directions
Avoca area · 1
- Avoca Branch206 N Elm St, Avoca, IA 51521Directions
Harlan area · 1
- Main Office Branch812 Durant St, Harlan, IA 51537Directions
Kingsley area · 1
- Kingsley Branch1 E 2nd St, Kingsley, IA 51028Directions
Le Mars area · 1
- Le Mars Branch850 12th St Sw, Le Mars, IA 51031Directions
Minden area · 1
- Minden Branch301 Broadway St, Minden, IA 51553Directions
Missouri Valley area · 1
- Missouri Valley Branch321 E Erie St, Missouri Valley, IA 51555Directions
Mondamin area · 1
- Mondamin Branch103 Maple St, Mondamin, IA 51557Directions
Neola area · 1
- Neola Branch300 Front St, Neola, IA 51559Directions
Sergeant Bluff area · 1
- Kingsley State Bank, Sergeant Bluff Office705 1st St, Sergeant Bluff, IA 51054Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.60% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.49% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $75 | $81 | — |
- CapitalLeverage ratio11.60%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.49%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$75Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Midstates Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.