BlastPoint's Banking Scorecard

Mid America Bank

$1B-$10B Specialty: Commercial MO FDIC cert 11459

Designations: ✓ Community bank

Jefferson City, MO

11 branches across MO

884 banks in the $1B-$10B peer group nationally 29 in MO

Mid America Bank has 4 strengths but faces 2 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

+ Credit Quality Leader: Top 9.1% in tier
+ Profitability Leader: Top 45.7% in tier
+ Net Interest Margin 0.71% above tier average
+ Efficiency Ratio 9.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.6% in tier
- Credit Risk Growth: Bottom 40.7% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.2B +11.8% YoY +7.5% QoQ	-$1.6B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$800.2M +8.7% YoY +1.0% QoQ	-$1.2B	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 14.8% in tier
Total Deposits ?	$1.0B +12.2% YoY +8.5% QoQ	-$1.3B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	2.19% +4.1% YoY -4.0% QoQ	+0.83%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 6.7% in tier
Net Interest Margin ?	4.53% +1.2% YoY -4.8% QoQ	+0.71%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 11.2% in tier
Efficiency Ratio ?	51.28% -1.8% YoY -1.2% QoQ	-9.78%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.19% +83.5% YoY +20.8% QoQ	-0.70%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	76.27% -3.1% YoY -6.9% QoQ	-7.93%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	22.75% +11.0% YoY -15.5% QoQ	+1.46%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.13% +78.4% YoY +1.4% QoQ	-0.55%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	10.83% -1.4% YoY -3.4% QoQ	-4.33%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 14.1% in tier
Non-Interest Income / Assets ?	0.09% +10.0% YoY -74.2% QoQ	-0.17%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Credit Quality Leader

growth

#21 of 220 • Top 9.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#102 of 221 • Top 45.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.19%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#76 of 513 • Bottom 14.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#172 of 420 • Bottom 40.7% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.37%

#60 of 884 Top 6.7% in $1B-$10B

100

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.82%

#100 of 884 Top 11.2% in $1B-$10B

165

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#165 of 884 Top 18.6% in $1B-$10B

176

Delinquency Rate

credit_quality

Value: 0.19%

Peer Median: 0.89%

#176 of 880 Top 19.9% in $1B-$10B

220

Efficiency Ratio

profitability

Value: 51.28%

Peer Median: 61.06%

#220 of 884 Top 24.8% in $1B-$10B

Top Weaknesses (4 metrics)

760

Tier 1 Capital Ratio

capital

Value: 10.83%

Peer Median: 15.16%

#760 of 884 Bottom 14.1% in $1B-$10B

754

Total Loans

size

Value: $800.20M

Peer Median: $1.96B

#754 of 884 Bottom 14.8% in $1B-$10B

740

Total Assets

size

Value: $1.19B

Peer Median: $2.82B

#740 of 884 Bottom 16.4% in $1B-$10B

715

Total Deposits

size

Value: $1.05B

Peer Median: $2.34B

#715 of 884 Bottom 19.2% in $1B-$10B