BlastPoint's Banking Scorecard
Mid America Bank
Designations: ✓ Community bank
Jefferson City, MO
11 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 +27.8% year over year ($1.0B on the books).
- Delinquency rate 0.90%.
- Return on assets 2.07%.
- Efficiency ratio 52.26% vs a 59.73% peer average.
- Loan-to-deposit ratio 78.84% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mid America Bank shows strong momentum with 3 strengths and 21.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.68% above tier average
- + Net Interest Margin 0.67% above tier average
- + Efficiency Ratio 7.47% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+21.5% YoY
-1.1% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$814.3M
+8.9% YoY
+1.8% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$1.0B
+27.8% YoY
-1.6% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
2.07%
-10.8% YoY
-5.5% QoQ
|
+0.68% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 9.7% in tier |
| Net Interest Margin ? |
4.54%
-3.8% YoY
+0.2% QoQ
|
+0.67% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 11.6% in tier |
| Efficiency Ratio ? |
52.26%
+2.9% YoY
+1.9% QoQ
|
-7.47% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.90%
+676.5% YoY
+374.1% QoQ
|
+0.04% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
78.84%
-14.8% YoY
+3.4% QoQ
|
-6.19% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
25.94%
+0.3% YoY
+14.0% QoQ
|
+4.67% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.63%
+600.5% YoY
+390.8% QoQ
|
-0.05% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.76%
-7.8% YoY
-0.6% QoQ
|
-4.08% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.5% in tier |
| Non-Interest Income / Assets ? |
0.18%
-2.4% YoY
+103.3% QoQ
|
-0.34% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.9%
+0.1pp YoY +3.2pp QoQ |
+4.6pp | 21.4% | 20.9% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
-1.1pp YoY -0.6pp QoQ |
+2.8pp | 14.0% | 12.3% | 12.5% | 72% |
| CRE |
46.7%
+2.7pp YoY -0.6pp QoQ |
-3.3pp | 50.0% | 36.8% | 41.4% | 41% |
| 1-4 Family |
29.1%
-0.9pp YoY +1.0pp QoQ |
+2.7pp | 26.4% | 31.9% | 31.3% | 64% |
| Consumer |
1.7%
-0.4pp YoY 0.0pp QoQ |
-3.0pp | 4.7% | 4.1% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
10.8%
-0.9pp YoY -0.1pp QoQ |
-0.6pp | 11.3% | 11.6% | 12.6% | 55% |
| Total Capital Ratio | n/a | n/a | 16.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
146
-2 (-1.4%) YoY +1 (+0.7%) QoQ |
-168 | 313 | 162 | 482 | 20% |
| Assets per Employee ($) |
$8.1M
+23.1% YoY -1.7% QoQ |
-$2.4M | $10.5M | $8.0M | $8.8M | 41% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 10 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 25% |
| Nonaccrual |
0.9%
+0.8pp YoY +0.7pp QoQ |
+0.1pp | 0.8% | 0.8% | 1.0% | 70% |
| Allowance Coverage |
1.27x
-86.6% YoY -78.0% QoQ |
-17.44x | 18.71x | 10.47x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
-1.6pp YoY -1.1pp QoQ |
+5.5pp | 12.6% | 14.3% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 25% |
| Net Income ($, YTD) |
$12.1M
+3.0% YoY — QoQ |
-$7.2M | $19.2M | $11.3M | $40.4M | 48% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.