BlastPoint's Banking Scorecard

First Midwest Bank of the Ozarks

$100M-$1B Specialty: Commercial MO FDIC cert 19212

Poplar Bluff, MO

11 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

First Midwest Bank of the Ozarks 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

+ ROA 0.42% above tier average
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 4.84% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.1% in tier
- Capital Thin: Bottom 24.6% in tier

Get updates when First Midwest Bank of the Ozarks releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$740.9M +0.4% YoY +0.2% QoQ	+$354.8M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 10.6% in tier
Total Loans ?	$605.9M -1.9% YoY +1.3% QoQ	+$350.1M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 5.8% in tier
Total Deposits ?	$656.0M +1.8% YoY +0.0% QoQ	+$328.0M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 9.3% in tier
Return on Assets ?	1.69% +12.0% YoY -3.2% QoQ	+0.42%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.35% +6.4% YoY -0.3% QoQ	+0.42%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	60.44% -1.3% YoY +0.9% QoQ	-4.84%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.69% -14.8% YoY +55.7% QoQ	-0.20%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	92.36% -3.7% YoY +1.2% QoQ	+15.72%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	15.21% -8.8% YoY -0.6% QoQ	-6.81%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.62% -17.7% YoY +51.6% QoQ	-0.02%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	10.79% -1.6% YoY +2.0% QoQ	-5.04%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.12% +32.0% YoY -77.7% QoQ	-0.16%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	64%

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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)

Liquidity Strain

risk

#40 of 643 • Bottom 6.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.36%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Thin

risk

#165 of 666 • Bottom 24.6% 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: 10.79%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

155

Total Loans

size

Value: $605.85M

Peer Median: $255.72M

#155 of 2664 Top 5.8% in $100M-$1B

248

Total Deposits

size

Value: $655.96M

Peer Median: $327.97M

#248 of 2664 Top 9.3% in $100M-$1B

283

Total Assets

size

Value: $740.89M

Peer Median: $386.08M

#283 of 2664 Top 10.6% in $100M-$1B

607

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.27%

#607 of 2664 Top 22.7% in $100M-$1B

641

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (3 metrics)

2141

Loan-to-Deposit Ratio

liquidity

Value: 92.36%

Peer Median: 76.64%

#2141 of 2664 Bottom 19.7% in $100M-$1B

2115

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 15.83%

#2115 of 2664 Bottom 20.6% in $100M-$1B

1999

Non-Interest-Bearing Deposit Share

funding

Value: 15.21%

Peer Median: 22.02%

#1999 of 2664 Bottom 25.0% in $100M-$1B