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Citizens Bank of the Midwest

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Citizens Bank of the Midwest Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank of the Midwest provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Citizens Bank of the Midwest rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Citizens Bank of the Midwest, and you can see how they compare in the Citizens Bank of the Midwest rate tables below. MonitorBankRates evaluates the financial stability of Citizens Bank of the Midwest with a 1.9 Star Rating, an F Overall Health Grade, and a Texas Ratio of 39.26%. Database rates last updated and verified on 08/30/2026.

Citizens Bank of the Midwest money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citizens Bank of the Midwest? Share your experience about Citizens Bank of the Midwest by leaving a review below, or read customer reviews before you decide to use Citizens Bank of the Midwest.

Overall Health & Safety Grade

High Risk Health Score: 49/100

MonitorBankRates Rating

1.9

Weak Out of 5.0 Stars

Texas Ratio

39.26%

Fair Higher than avg

Citizens Bank of the Midwest

1515 Martin Springs Dr
Rolla, MO 65401

https://www.cbmw.bank

Current Rate Availability

We're not currently displaying rates for Citizens Bank of the Midwest, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Citizens Bank of the Midwest is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Citizens Bank of the Midwest rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Citizens Bank of the Midwest's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Citizens Bank of the Midwest

Bank Holding Company NEWBURG INSURANCE AGENCY INC

Address 1515 Martin Springs Dr, Rolla, MO 65401 · Phelps

Website https://www.cbmw.bank

FDIC Certificate # 16126

Established 02/28/1944

FDIC Insurance Date 02/28/1944

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 49/100

1.9

Weak Out of 5.0 Stars

39.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0874%

Return on Equity (ROE) 21.3600%

Non-Performing Loans (NPL) 0.22%

Total Assets $240,709,000

Total Deposits $194,690,000

Equity Capital $14,207,000

Net Income $2,452,000

Headquarters Rolla

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Citizens Bank of the Midwest

How many branches does Citizens Bank of the Midwest operate?

Citizens Bank of the Midwest currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Citizens Bank of the Midwest does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Citizens Bank of the Midwest provides members with tools to manage their accounts and build a solid financial history.

Does Citizens Bank of the Midwest offer online and mobile banking?

Most modern institutions like Citizens Bank of the Midwest provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cbmw.bank.