BlastPoint's Banking Scorecard

Midwest Bank

$1B-$10B Specialty: Agricultural NE FDIC cert 13255

Designations: ✓ Community bank

Pierce, NE

11 branches across NE

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 21 in NE.
Deposits +6.3% year over year ($1.0B on the books).
Delinquency rate 0.45%.
Return on assets 1.10%.
Efficiency ratio 62.56% vs a 59.73% peer average.
Loan-to-deposit ratio 86.23% 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 21 in NE

View $1B-$10B leaderboard (NE) →

Midwest Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 8.1% in tier
- Credit Risk Growth: Bottom 14.2% in tier
- ROA 0.29% below tier average
- Net Interest Margin 0.18% below tier average
- Efficiency Ratio 2.84% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.2B +2.3% YoY -0.6% QoQ	-$1.6B	$2.8B -0.6% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$897.9M +0.8% YoY -0.4% QoQ	-$1.1B	$2.0B -0.3% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$1.0B +6.3% YoY -2.2% QoQ	-$1.3B	$2.3B -0.5% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	1.10% +37.3% YoY +11.7% QoQ	-0.29%	1.39% +17.0% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	37%
Net Interest Margin ?	3.69% +13.6% YoY +1.8% QoQ	-0.18%	3.87% +6.2% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	62.56% -7.6% YoY -2.6% QoQ	+2.84%	59.73% -12.6% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	0.45% +353.8% YoY +18.5% QoQ	-0.41%	0.87% +11.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	56%
Loan-to-Deposit Ratio ?	86.23% -5.2% YoY +1.8% QoQ	+1.20%	85.04% -0.1% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	12.99% -1.2% YoY +7.2% QoQ	-8.28%	21.27% -1.5% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	0.33% +347.3% YoY +13.7% QoQ	-0.35%	0.67% +11.7% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	9.40% -14.3% YoY -17.6% QoQ	-5.44%	14.84% -0.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	Bottom 1.8% in tier
Non-Interest Income / Assets ?	0.27% +29.4% YoY +110.0% QoQ	-0.26%	0.53% +2.5% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	44%

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 (NE)	National Avg	Tier Percentile
Noninterest-Bearing	13.0% -0.2pp YoY +0.9pp QoQ	-8.4pp	21.4%	17.6%	22.2%	19%
Brokered Deposits	4.4% -1.6pp YoY -1.1pp QoQ	-5.1pp	9.5%	8.9%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	10.7% -0.7pp YoY -1.4pp QoQ	-3.3pp	14.0%	12.3%	12.5%	47%
CRE	31.0% +1.3pp YoY +0.2pp QoQ	-19.0pp	50.0%	32.3%	41.4%	12%
1-4 Family	10.5% +0.2pp YoY 0.0pp QoQ	-16.0pp	26.4%	16.9%	31.3%	18%
Consumer	1.4% -0.2pp YoY 0.0pp QoQ	-3.3pp	4.7%	3.1%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.1%	19.7%	n/a
Leverage Ratio	9.4% +0.2pp YoY +0.3pp QoQ	-1.9pp	11.3%	12.1%	12.6%	20%
Total Capital Ratio	n/a	n/a	16.7%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	176 +13 (+8.0%) YoY +6 (+3.5%) QoQ	-138	313	98	482	33%
Assets per Employee ($)	$7.0M -5.3% YoY -4.0% QoQ	-$3.4M	$10.5M	$8.5M	$8.8M	24%
Branch Count	11 0 YoY 0 QoQ	-9	20	7	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	0.0pp	0.2%	0.4%	0.4%	81%
Nonaccrual	0.3% +0.3pp YoY +0.1pp QoQ	-0.5pp	0.8%	0.8%	1.0%	34%
Allowance Coverage	3.57x -74.3% YoY -13.5% QoQ	-15.14x	18.71x	31.69x	20.23x	69%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	12.8% +2.7pp YoY +1.2pp QoQ	+0.2pp	12.6%	12.3%	11.6%	55%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.9%	1.9%	1.7%	81%
Net Income ($, YTD)	$6.8M +44.8% YoY — QoQ	-$12.4M	$19.2M	$6.1M	$40.4M	22%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#19 of 222 • Bottom 8.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.40%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Risk Growth

risk

#58 of 402 • Bottom 14.2% 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

870

Tier 1 Capital Ratio

capital

Value: 9.40%

Peer Median: 14.84%

#870 of 885 Bottom 1.8% in $1B-$10B

721

Total Deposits

size

Value: $1.04B

Peer Median: $2.32B

#721 of 885 Bottom 18.6% in $1B-$10B

717

Non-Interest-Bearing Deposit Share

funding

Value: 12.99%

Peer Median: 21.27%

#717 of 885 Bottom 19.1% in $1B-$10B

714

Total Assets

size

Value: $1.24B

Peer Median: $2.79B

#714 of 885 Bottom 19.4% in $1B-$10B

675

Total Loans

size

Value: $897.90M

Peer Median: $1.96B

#675 of 885 Bottom 23.8% in $1B-$10B