MidWestOne Financial Group is an Iowa City-based bank holding company whose sole operating subsidiary, MidWestOne Bank, is a community bank operating across Iowa, the Minneapolis/St. Paul metro area, southwestern Wisconsin, and Denver. The bank operates 56 full-service branches and focuses primarily on small- and mid-sized business banking, with a loan book of roughly $4.3B concentrated in commercial real estate (~54% of loans) and commercial and industrial lending (~26%). MidWestOne funds its lending through a ~$5.5B deposit base, roughly 90% of which is considered "core." Like most community banks, MidWestOne earns its primary income from the spread between loan yields and deposit costs. Beyond lending and deposits, MidWestOne offers wealth management (trusts, investment advisory, financial planning), SBA lending, treasury management, and residential mortgage origination. The bank has been reshaping its footprint, exiting Florida in 2024 and acquiring Bank of Denver, with Denver and the Twin Cities designated as high-priority growth markets. MidWestOne executed a significant balance sheet repositioning in late 2024, selling low-yielding securities and paying off expensive borrowings to improve margins. Management's growth priorities are commercial banking, wealth management, SBA lending, and treasury management. MidWestOne positions itself as offering sophisticated commercial banking and wealth management capabilities with the relationship-oriented service of a community bank.