BlastPoint's Banking Scorecard
Mid-America Bank
Baldwin City, KS
7 branches across KS
Mid-America Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Efficiency Ratio 13.94% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.9% in tier
- - Loan-to-Deposit Ratio 24.11% above tier average
- - Non-Interest-Bearing Deposit Share 12.65% below tier average
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$566.8M
+18.0% YoY
+3.3% QoQ
|
+$180.7M |
$386.1M
+0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
78% |
| Total Loans ? |
$438.5M
+21.1% YoY
+2.6% QoQ
|
+$182.8M |
$255.7M
+1.1% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
83% |
| Total Deposits ? |
$435.3M
+21.8% YoY
+6.5% QoQ
|
+$107.3M |
$328.0M
+0.0% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
73% |
| Return on Assets ? |
1.61%
-0.4% YoY
+2.7% QoQ
|
+0.34% |
1.27%
+12.8% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
73% |
| Net Interest Margin ? |
3.57%
-4.9% YoY
-7.3% QoQ
|
-0.36% |
3.93%
+6.0% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
51.34%
+0.5% YoY
-1.0% QoQ
|
-13.94% |
65.29%
-4.4% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
82% |
| Delinquency Rate ? |
0.13%
+58.4% YoY
-35.2% QoQ
|
-0.75% |
0.89%
+18.9% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
100.74%
-0.6% YoY
-3.6% QoQ
|
+24.11% |
76.64%
+0.8% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
Bottom 7.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.37%
-7.7% YoY
-7.5% QoQ
|
-12.65% |
22.02%
-0.9% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
Bottom 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+62.6% YoY
-35.6% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.22%
-6.7% YoY
-0.2% QoQ
|
-3.61% |
15.83%
+1.5% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.18%
+14.7% YoY
-70.4% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
81% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.