BlastPoint's Banking Scorecard

Mid-America Bank

$100M-$1B Specialty: Commercial KS FDIC cert 17374

Baldwin City, KS

7 branches across KS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +16.8% year over year ($456.4M on the books).
Delinquency rate 0.13%.
Return on assets 1.72%.
Efficiency ratio 49.90% vs a 64.48% peer average.
Loan-to-deposit ratio 99.37% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

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

+ Revenue Diversifier: Top 41.6% in tier
+ ROA 0.40% above tier average
+ Efficiency Ratio 14.58% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 12.39% below tier average
- Net Interest Margin 0.33% below tier average

Get updates when Mid-America Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$573.3M +11.2% YoY +1.1% QoQ	+$186.7M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$453.6M +16.1% YoY +3.4% QoQ	+$195.2M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$456.4M +16.8% YoY +4.9% QoQ	+$129.7M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.72% +5.5% YoY +6.7% QoQ	+0.40%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	3.65% -2.9% YoY +2.4% QoQ	-0.33%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	35%
Efficiency Ratio ?	49.90% +1.3% YoY -2.8% QoQ	-14.58%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.13% -64.9% YoY -2.5% QoQ	-0.79%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	99.37% -0.6% YoY -1.4% QoQ	+21.42%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 11.0% in tier
Non-Interest-Bearing Deposit Share ?	9.64% +1.3% YoY +2.8% QoQ	-12.39%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 9.9% in tier
Nonperforming Asset Ratio ?	0.10% -63.3% YoY -0.3% QoQ	-0.57%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	12.23% -3.2% YoY +0.1% QoQ	-3.68%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.46% +46.3% YoY +161.7% QoQ	-0.11%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 10.9% in tier

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	9.6% +0.1pp YoY +0.3pp QoQ	-12.5pp	22.1%	22.3%	22.2%	9%
Brokered Deposits	3.9% +2.7pp YoY +1.6pp QoQ	-3.9pp	7.9%	8.7%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	1.9% +0.4pp YoY 0.0pp QoQ	-9.6pp	11.6%	12.6%	12.5%	6%
CRE	31.3% +0.4pp YoY -1.1pp QoQ	-8.2pp	39.5%	28.8%	41.4%	37%
1-4 Family	57.8% -0.8pp YoY +0.3pp QoQ	+25.2pp	32.6%	26.7%	31.3%	88%
Consumer	1.1% +0.4pp YoY +0.5pp QoQ	-3.0pp	4.1%	4.6%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	12.2% -0.4pp YoY 0.0pp QoQ	-6.6pp	18.8%	23.3%	19.7%	19%
Leverage Ratio	10.2% -0.2pp YoY +0.5pp QoQ	-2.0pp	12.2%	12.6%	12.6%	35%
Total Capital Ratio	13.3% -0.5pp YoY 0.0pp QoQ	-6.7pp	19.9%	24.4%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	64 +4 (+6.7%) YoY -1 (-1.5%) QoQ	+5	58	70	482	66%
Assets per Employee ($)	$9.0M +4.2% YoY +2.7% QoQ	+$1.4M	$7.5M	$7.1M	$8.8M	79%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	56%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	7.46x +151.2% YoY -0.3% QoQ	-16.69x	24.15x	22.44x	20.23x	78%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	17.3% +1.2pp YoY +0.9pp QoQ	+5.1pp	12.2%	14.3%	11.6%	79%
Cost of Funds (YTD)	3.0% 0.0pp YoY 0.0pp QoQ	+1.3pp	1.7%	1.6%	1.7%	98%
Net Income ($, YTD)	$4.8M +21.8% YoY — QoQ	+$2.3M	$2.6M	$3.7M	$40.4M	86%

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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 (1)

Revenue Diversifier

growth

#276 of 661 • Top 41.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.46%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.72%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

289

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.57%

#289 of 2643 Top 10.9% in $100M-$1B

411

Total Loans

size

Value: $453.55M

Peer Median: $258.35M

#411 of 2643 Top 15.5% in $100M-$1B

441

Efficiency Ratio

profitability

Value: 49.90%

Peer Median: 64.48%

#441 of 2643 Top 16.6% in $100M-$1B

572

Total Assets

size

Value: $573.25M

Peer Median: $386.57M

#572 of 2643 Top 21.6% in $100M-$1B

620

Return on Assets

profitability

Value: 1.72%

Peer Median: 1.32%

#620 of 2643 Top 23.4% in $100M-$1B

648

Total Deposits

size

Value: $456.42M

Peer Median: $326.73M

#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (2 metrics)

2383

Non-Interest-Bearing Deposit Share

funding

Value: 9.64%

Peer Median: 22.03%

#2383 of 2643 Bottom 9.9% in $100M-$1B

2354

Loan-to-Deposit Ratio

liquidity

Value: 99.37%

Peer Median: 77.95%

#2354 of 2643 Bottom 11.0% in $100M-$1B