First Midwest Bank of the Ozarks on Your Credit Report
In short: Headquartered in Poplar Bluff, MO, First Midwest Bank of the Ozarks has operated since 1964 as a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC lists it under certificate 19212 with $733 million in total assets spread across 11 reported offices as of 06/30/2026. Because First Midwest Bank of the Ozarks lends directly rather than servicing another lender's paper, it is the furnisher of record on its own tradelines — which is what gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First Midwest Bank of the Ozarks actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First Midwest Bank of the Ozarks appears in the FDIC's institution directory under certificate 19212, chartered August 29, 1964 in MO and reporting 11 FDIC-reported offices with $733 million in total assets on the 06/30/2026 call report.
How First Midwest Bank of the Ozarks appears on your credit report
As an original creditor chartered in 1964, First Midwest Bank of the Ozarks furnishes directly and holds the source documents for every account it reports. With only 11 offices and $733 million in assets, there is rarely a dedicated credit-reporting department; disputes are commonly routed to lending or operations staff who can pull the actual file. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Overdraft lines attached to a checking account
Grounds to dispute a First Midwest Bank of the Ozarks entry
Each of these is a reason a First Midwest Bank of the Ozarks tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan personally pledged by the owner reporting on the personal file without the pledge in place
- ◆Payment made in-branch on the due date but posted the following business day
- ◆Agricultural or seasonal line reported late when the renewal was already approved
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First Midwest Bank of the Ozarks is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First Midwest Bank of the Ozarks has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First Midwest Bank of the Ozarks a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First Midwest Bank of the Ozarks questions, answered
Is First Midwest Bank of the Ozarks FDIC-insured, and what is its certificate number?
Yes. First Midwest Bank of the Ozarks holds FDIC certificate 19212. The FDIC record shows a charter established August 29, 1964, headquarters in Poplar Bluff, MO, and 11 FDIC-reported offices with $733 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator.
Who regulates First Midwest Bank of the Ozarks, and where do I escalate if a dispute fails?
First Midwest Bank of the Ozarks is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against First Midwest Bank of the Ozarks?
None that can be attributed with confidence. First Midwest Bank of the Ozarks does not appear as a distinct company in the CFPB's credit-card complaint data for 2025 onward, which is unsurprising for a 11-office community bank rather than a national card issuer. We do not publish a figure matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to First Midwest Bank of the Ozarks would be inaccurate. You can search the CFPB database yourself at consumerfinance.gov.
How long can a First Midwest Bank of the Ozarks charge-off stay on my credit report?
A charged-off First Midwest Bank of the Ozarks account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date First Midwest Bank of the Ozarks charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with First Midwest Bank of the Ozarks and disputing with a collector?
First Midwest Bank of the Ozarks is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to First Midwest Bank of the Ozarks reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does First Midwest Bank of the Ozarks report to all three credit bureaus?
That depends on the bank's own furnishing arrangements. Reporting is voluntary under the FCRA, and a bank the size of First Midwest Bank of the Ozarks — 11 offices, $733 million in assets — may furnish to only one or two bureaus, each on its own cycle. Pull all three before concluding a First Midwest Bank of the Ozarks account is missing or wrong: a balance difference between bureaus is usually a timing artifact, while a difference in payment history, account status or date of first delinquency is worth disputing.
First Midwest Bank of the Ozarks was acquired or changed names — why does my report show two accounts?
A rebrand or merger is the usual explanation. A converted First Midwest Bank of the Ozarks account can briefly appear under both the old and the new furnisher name. One tradeline should remain; the duplicate should be deleted rather than simply marked closed, because a duplicate still affects utilization and account counts. Dispute it as a duplicate and identify both versions by their last four digits and open dates — for a charter dating to 1964, core-system conversions are the usual cause.
Can I dispute First Midwest Bank of the Ozarks reporting myself, without paying anyone?
Yes — the law puts this in your hands at no charge. Disputes to First Midwest Bank of the Ozarks under §623 and to the bureaus under §611 cost nothing but postage. Anyone promising certain deletion or a point gain is overstating what the process can deliver; results vary case by case.
What should I check first on First Midwest Bank of the Ozarks reporting?
Start with the date of first delinquency, the account status and the high balance or credit limit. Those three drive how long the item reports and how much it weighs. For a 62-year-old lender like First Midwest Bank of the Ozarks, older accounts that were converted during a core-system or charter change are the most common source of stale status codes and incorrect open dates.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First Midwest Bank of the Ozarks; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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