The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.
CRA Public File
The Community Reinvestment Act (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they serve, including low- and moderate-income (LMI) neighborhoods and individuals, consistent with the safe and sound operation of such institutions.
In accordance with the Community Reinvestment Act (CRA) Regulation, Bank Midwest is required to maintain and, upon request, make available for public inspection a complete CRA Public File. Shown below is the CRA Public File for Bank Midwest. If you would like a print copy of this information, please email this request to [email protected]. Please note a fee will be assessed to cover the costs of printing and mailing.
Last reviewed and/or modified April 17, 2026.
CRA Public Notice
CRA Performance Evaluation
View the most recent Performance Evaluation of how Bank Midwest meets its responsibilities under the CRA.
Written Customer Comments
There have been no written customer comments received from the public for the current year and each of the prior two calendar years relating to the Bank’s CRA performance.
Branches Opened or Closed
The Spirit Lake branch located at 1525 18th Street, Suite 100, Spirit Lake, IA 51360 (Census Tract = 19 059 4505.01) was closed on 01/15/25 and reopened at 1800 Royal Ave, Spirit Lake, IA 51360 (Census Tract = 19 059 4505.01).
The Okoboji branch no longer provides full banking services. Effective 02/10/25, this location serves as Bank Midwest’s Corporate Headquarters and provides limited banking services, located at 1102 Sanborn Ave, Okoboji, IA 51355 (Census Tract = 19 059 4511.00). For full banking services, please visit the Spirit Lake location at 1800 Royal Ave, Spirit Lake, IA 51360 (Census Tract = 19 059 4505.01).
CRA Products
Loan to Deposit Ratios
Quarter — Percent
Q1 2025 — 89.30%
Q2 2025 — 89.81%
Q3 2025 — 91.46%
Q4 2025 — 92.11%
Home Mortgage Disclosure Act Notice
Locations & Census Tracts
Main Branch
Bank Midwest
1800 Royal Ave
Spirit Lake, IA 51360
Census Tract = 19 059 4505.01
Additional Branches
Bank Midwest
301 S State St
PO Box 611
Fairmont, MN 56031
Census Tract = 27 091 7906.00
Bank Midwest
509 3rd St
PO Box 49
Jackson, MN 56143
Census Tract = 27 063 4804.00
Bank Midwest
245 9th St
PO Box 189
Windom, MN 56101
Census Tract = 27 033 2704.00
Bank Midwest
640 1st Ave
PO Box 219
Westbrook, MN 56183
Census Tract = 27 033 2702.00
Bank Midwest
525 Center St
New Ulm, MN 56073
Census Tract = 27 015 9601.01
Bank Midwest
33 N Main St
PO Box 668
Sherburn, MN 56171
Census Tract = 27 091 7903.00
Bank Midwest
500 N 6th St
PO Box 136
Armstrong, IA 50514
Census Tract = 19 063 0701.00
Bank Midwest
102 2nd St
PO Box 8
Wall Lake, IA 51466
Census Tract = 19 161 0802.00
Bank Midwest
225 S Minnesota Ave
Sioux Falls, SD 57104
Census Tract = 43620 46 099 0007.01
Equal Housing Lender