BlastPoint

BlastPoint's Banking Scorecard

Midwest BankCentre

$1B-$10B Specialty: Commercial MO FDIC cert 1058

Designations: ✓ Community bank

Lemay, MO

18 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
  • Deposits +1.5% year over year ($2.5B on the books).
  • Delinquency rate 1.08%.
  • Return on assets 1.34%.
  • Efficiency ratio 51.91% vs a 59.73% peer average.
  • Loan-to-deposit ratio 95.59% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO
View $1B-$10B leaderboard (MO) →

Midwest BankCentre has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 7.82% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.3% in tier
  • - Credit Risk Growth: Bottom 28.4% in tier
  • - Non-Interest-Bearing Deposit Share 17.68% below tier average
  • - ROA 0.05% below tier average
Get updates when Midwest BankCentre releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $3.1B
+3.2% YoY +1.2% QoQ
+$276.0M $2.8B
-0.6% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $2.4B
+1.7% YoY +1.6% QoQ
+$448.5M $2.0B
-0.3% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $2.5B
+1.5% YoY +0.1% QoQ
+$204.2M $2.3B
-0.5% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 1.34%
+18.5% YoY +1.2% QoQ
-0.05% 1.39%
+17.0% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.91%
+11.9% YoY +1.7% QoQ
+0.04% 3.87%
+6.2% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 51.91%
-7.5% YoY +2.2% QoQ
-7.82% 59.73%
-12.6% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 1.08%
+71.4% YoY -13.7% QoQ
+0.22% 0.87%
+11.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 95.59%
+0.2% YoY +1.6% QoQ
+10.55% 85.04%
-0.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 3.59%
-0.3% YoY -2.3% QoQ
-17.68% 21.27%
-1.5% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 2.9% in tier
Nonperforming Asset Ratio ? 0.87%
+66.2% YoY -13.0% QoQ
+0.20% 0.67%
+11.7% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 13.54%
+9.3% YoY -0.8% QoQ
-1.30% 14.84%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.28%
+9.9% YoY +86.4% QoQ
-0.25% 0.53%
+2.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
47%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 3.6%
0.0pp YoY
-0.1pp QoQ
 -17.8pp 21.4% 20.9% 22.2% 2%
Brokered Deposits 2.5%
+1.1pp YoY
+1.3pp QoQ
 -7.0pp 9.5% 7.4% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 22.4%
-1.3pp YoY
+0.8pp QoQ
 +8.4pp 14.0% 12.3% 12.5% 85%
CRE 61.1%
+2.0pp YoY
0.0pp QoQ
 +11.1pp 50.0% 36.8% 41.4% 77%
1-4 Family 14.3%
-1.3pp YoY
-0.8pp QoQ
 -12.1pp 26.4% 31.9% 31.3% 29%
Consumer 3.3%
+0.3pp YoY
0.0pp QoQ
 -1.4pp 4.7% 4.1% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 13.5%
+1.1pp YoY
-0.1pp QoQ
 -2.1pp 15.6% 18.5% 19.7% 50%
Leverage Ratio 12.1%
+0.9pp YoY
+0.2pp QoQ
 +0.8pp 11.3% 11.6% 12.6% 78%
Total Capital Ratio 14.8%
+1.2pp YoY
-0.1pp QoQ
 -1.9pp 16.7% 19.6% 20.8% 52%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 282
+3 (+1.1%) YoY
+3 (+1.1%) QoQ
 -32 313 162 482 62%
Assets per Employee ($) $10.9M
+2.1% YoY
+0.1% QoQ
 +$402K $10.5M $8.0M $8.8M 71%
Branch Count 18
0 YoY
0 QoQ
 -2 20 10 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 65%
Nonaccrual 1.0%
+0.4pp YoY
-0.2pp QoQ
 +0.2pp 0.8% 0.8% 1.0% 74%
Allowance Coverage 1.26x
-43.5% YoY
+11.6% QoQ
 -17.45x 18.71x 10.47x 20.23x 32%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.3% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 10.8%
+0.8pp YoY
+0.1pp QoQ
 -1.8pp 12.6% 14.3% 11.6% 40%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.8% 1.7% 55%
Net Income ($, YTD) $20.3M
+24.3% YoY
— QoQ
 +$1.1M $19.2M $11.3M $40.4M 70%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#67 of 361 • Bottom 18.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.59%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#115 of 402 • Bottom 28.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

860
Non-Interest-Bearing Deposit Share
funding
Value: 3.59%
Peer Median: 21.27%
#860 of 885 Bottom 2.9% in $1B-$10B
672
Loan-to-Deposit Ratio
liquidity
Value: 95.59%
Peer Median: 85.04%
#672 of 885 Bottom 24.2% in $1B-$10B
Powered by BlastPoint © 2026