MIDWEST HERITAGE BANK FSB — NPL Explorer

Total Assets

$768M

—

Total Loans

$530M

—

Texas Ratio

9.3%

+0.7

Non-Performing Loans %

1.8%

+0.1

MIDWEST HERITAGE BANK FSB in IA reported a Texas Ratio of 9.3% in Q2 2026, up +0.7pp from the prior quarter. Nonperforming assets increased +0.14pp to 1.78%.

Portfolio composition

Category	Balance	% of total	NPL %	Charge-off %
Real estate (all)	—	—	—	—
Commercial real estate	—	—	—	—
Construction & land	—	—	—	—
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view

FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Iowa mortgage-note market & lender distress →

Iowa Savings BankCarroll, IA · Apr 27, 2026 · Merger
Inherited NPL volume
$2M
Inherited NPL %
1.33%
Total loans inherited
$149M
Total assets inherited
$295M
YTD charge-offs (at close)
$0
Last filing
Mar 31, 2026