BlastPoint's Banking Scorecard

First Midwest Bank of Dexter

$100M-$1B Specialty: Commercial MO FDIC cert 19001

Dexter, MO

8 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +0.5% year over year ($524.4M on the books).
Delinquency rate 0.80%.
Return on assets 1.86%.
Efficiency ratio 53.57% vs a 64.48% peer average.
Loan-to-deposit ratio 106.69% 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 140 in MO

View $100M-$1B leaderboard (MO) →

First Midwest Bank of Dexter has 4 strengths but faces 3 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

+ Profitability Leader: Top 31.5% in tier
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 10.90% below tier average
+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 16.9% in tier
- Credit Risk Growth: Bottom 39.3% in tier
- Loan-to-Deposit Ratio 28.74% above tier average

Get updates when First Midwest Bank of Dexter releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$652.0M -1.7% YoY -1.7% QoQ	+$265.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$559.5M +2.2% YoY -0.6% QoQ	+$301.2M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 7.5% in tier
Total Deposits ?	$524.4M +0.5% YoY -0.5% QoQ	+$197.7M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	1.86% +33.6% YoY +4.8% QoQ	+0.53%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	4.09% +15.3% YoY +2.0% QoQ	+0.10%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	53.57% -11.0% YoY -0.6% QoQ	-10.90%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.80% +392.5% YoY -11.6% QoQ	-0.12%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	106.69% +1.7% YoY -0.1% QoQ	+28.74%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 5.1% in tier
Non-Interest-Bearing Deposit Share ?	15.41% +11.2% YoY +3.4% QoQ	-6.62%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.68% +412.4% YoY -10.6% QoQ	+0.01%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	10.97% +15.7% YoY +4.0% QoQ	-4.94%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.16% -7.7% YoY +156.4% QoQ	-0.41%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	37%

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	15.4% +1.6pp YoY +0.5pp QoQ	-6.7pp	22.1%	20.9%	22.2%	26%
Brokered Deposits	2.4% -0.5pp YoY 0.0pp QoQ	-5.5pp	7.9%	7.4%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	17.9% -2.3pp YoY -0.1pp QoQ	+6.3pp	11.6%	12.3%	12.5%	84%
CRE	40.3% -7.0pp YoY -1.5pp QoQ	+0.7pp	39.5%	36.8%	41.4%	54%
1-4 Family	30.5% +6.8pp YoY +0.3pp QoQ	-2.1pp	32.6%	31.9%	31.3%	52%
Consumer	1.3% +0.1pp YoY +0.1pp QoQ	-2.8pp	4.1%	4.1%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	11.0% +1.5pp YoY +0.4pp QoQ	-1.2pp	12.2%	11.6%	12.6%	50%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	95 -3 (-3.1%) YoY -2 (-2.1%) QoQ	+36	58	162	482	85%
Assets per Employee ($)	$6.9M +1.4% YoY +0.4% QoQ	-$655K	$7.5M	$8.0M	$8.8M	50%
Branch Count	8 0 YoY 0 QoQ	+3	4	10	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.8% +0.6pp YoY -0.1pp QoQ	+0.4pp	0.3%	0.3%	0.4%	88%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	10%
Allowance Coverage	1.20x -77.9% YoY +16.3% QoQ	-22.95x	24.15x	10.47x	20.23x	32%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	45%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	18.3% +2.4pp YoY +0.4pp QoQ	+6.1pp	12.2%	14.3%	11.6%	83%
Cost of Funds (YTD)	2.4% -0.5pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	88%
Net Income ($, YTD)	$6.2M +37.0% YoY — QoQ	+$3.6M	$2.6M	$11.3M	$40.4M	92%

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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)

Profitability Leader

growth

#209 of 661 • Top 31.5% in tier

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

Why this signature

Return on Assets: 1.86%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Capital Thin

risk

#113 of 661 • Bottom 16.9% 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: 10.97%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Risk Growth

risk

#369 of 936 • Bottom 39.3% in tier

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

936 of 936 Community 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

199

Total Loans

size

Value: $559.53M

Peer Median: $258.35M

#199 of 2643 Top 7.5% in $100M-$1B

409

Total Assets

size

Value: $652.04M

Peer Median: $386.57M

#409 of 2643 Top 15.4% in $100M-$1B

460

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.32%

#460 of 2643 Top 17.4% in $100M-$1B

468

Total Deposits

size

Value: $524.42M

Peer Median: $326.73M

#468 of 2643 Top 17.7% in $100M-$1B

653

Efficiency Ratio

profitability

Value: 53.57%

Peer Median: 64.48%

#653 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2510

Loan-to-Deposit Ratio

liquidity

Value: 106.69%

Peer Median: 77.95%

#2510 of 2643 Bottom 5.1% in $100M-$1B

2039

Tier 1 Capital Ratio

capital

Value: 10.97%

Peer Median: 15.91%

#2039 of 2643 Bottom 22.9% in $100M-$1B