MIDWESTONE FINANCIAL GROUP, INC.

POWER OF ATTORNEY
(SECTIONS 13(d) AND 16(a) MATTERS)

Know all by these present the undersigned hereby constitutes and
appoints each of Kenneth R. Urmie, John J. Ruppel, and Celeste M. Yoder,
signing singly, as the undersigned's true and lawful attorneys-in-fact to:

(1) execute for and on behalf of the undersigned, in the undersigned's
 capacity as a more than five percent (5%) stockholder (if applicable)
of MidWestOne Financial Group, Inc. (the "Company"), any Schedule 13D
or Schedule 13G and any amendments thereto in accordance with Section 13(d)
 of the Securities Exchange Act of 1934 (the "Exchange Act") and the rules
thereunder;

(2) execute for and on behalf of the undersigned, in the undersigned's
 capacity as a director, officer or stockholder of the Company or a
 subsidiary of the Company, Forms 3, 4 and 5 in accordance with
Section 16(a) of the Exchange Act and the rules thereunder;

(3) do and perform any and all acts for and on behalf of the
undersigned which may be necessary or desirable to complete and execute
 any such Form 3, 4 or 5 and any such Schedule 13D or Schedule 13G and
any amendments thereto and timely file such form or schedule with the
United States Securities and Exchange Commission, the Nasdaq Stock
 Market, the Company and any stock exchange or similar authority; and

(4) take any other action of any type whatsoever in connection with
 the foregoing which, in the opinion of such attorney-in-fact, may be of
 benefit to, in the best interest of, or legally required by, the
undersigned, it being understood that the documents executed by such
 attorney-in-fact on behalf of the undersigned pursuant to this Power
of Attorney shall be in such form and shall contain such terms and
conditions as such attorney-in-fact may approve in such
attorney-in-fact's discretion.

The undersigned hereby grants to each such attorney-in-fact full power
 and authority to do and perform any and every act and thing whatsoever
 requisite, necessary or proper to be done in the exercise of any of
the rights and powers herein granted, as fully to all intents and
purposes as the undersigned might or could do if personally present,
with full power or substitution or revocation, hereby ratifying and
 confirming all that such attorney-in-fact, or such attorney-in-fact's
 substitute or substitutes, shall lawfully do or cause to be done by
 virtue of this power of attorney and the rights and powers herein
granted. The undersigned acknowledges that the foregoing
attorneys-in-fact, in serving in such capacity at the request of the
 undersigned, are not assuming, nor is the Company assuming, any of
the undersigned's responsibilities to comply with Section 13(d) or
Section 16 of the Exchange Act.

This Power of Attorney shall remain in full force and effect until
 the undersigned is no longer required to file Forms 3, 4 and 5
and Schedule 13D or Schedule 13G (including any amendments thereto)
 with respect to the undersigned's holdings of and transactions in
 securities issued by the Company, unless earlier revoked by the
undersigned in a signed writing delivered to the foregoing
attorneys-in-fact.

For good and valuable consideration, the receipt and sufficiency
 of which is hereby acknowledged, the undersigned, to the fullest
 extent permitted by law: (i) agrees to hold the attorneys-in-fact
 and the Company harmless from all liability, loss, cost, damage
 or expense of any nature, including reasonable attorneys' fees
 and expenses sustained or incurred by the attorneys-in-fact or
Company in connection with the performance, or non-performance,
 of the actions described in paragraphs (1) - (4) above; and (ii)
 irrevocably releases and waives any and all claims (in law or
equity) against the attorneys-in-fact and the Company, and all
 of their respective heirs, estates, successors and assigns,
 as the case may be, relating to the performance, or
non-performance, of the actions described in paragraphs
(1) - (4) above.

IN WITNESS WHEREOF, the undersigned has caused this Power
of Attorney to be executed as of the 20th day of January, 2021.

/s/ Barry S. Ray
 Print Name: Barry S. Ray