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

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 +0.0% year over year ($646.6M on the books).
Delinquency rate 1.01%.
Return on assets 1.81%.
Efficiency ratio 59.38% vs a 64.48% peer average.
Loan-to-deposit ratio 96.85% 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 the Ozarks has 3 strengths but faces 4 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 0.49% above tier average
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 5.10% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.7% in tier
- Capital Thin: Bottom 26.5% in tier
- Liquidity Strain: Bottom 28.8% in tier
- Credit Quality Pressure: Bottom 48.9% in tier

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$733.2M +0.4% YoY -1.0% QoQ	+$346.6M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 11.1% in tier
Total Loans ?	$626.2M +2.7% YoY +3.4% QoQ	+$367.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 5.0% in tier
Total Deposits ?	$646.6M +0.0% YoY -1.4% QoQ	+$319.8M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 9.7% in tier
Return on Assets ?	1.81% +12.8% YoY +7.1% QoQ	+0.49%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.45% +6.2% YoY +2.3% QoQ	+0.46%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	59.38% -2.6% YoY -1.8% QoQ	-5.10%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	59%
Delinquency Rate ?	1.01% +24.8% YoY +46.9% QoQ	+0.09%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	28%
Loan-to-Deposit Ratio ?	96.85% +2.7% YoY +4.9% QoQ	+18.89%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 13.9% in tier
Non-Interest-Bearing Deposit Share ?	15.23% -8.6% YoY +0.1% QoQ	-6.80%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	0.89% +21.7% YoY +42.1% QoQ	+0.22%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	10.84% +1.3% YoY +0.5% QoQ	-5.06%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.28% +19.0% YoY +131.6% QoQ	-0.28%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	69%

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	15.2% -1.4pp YoY 0.0pp QoQ	-6.9pp	22.1%	20.9%	22.2%	25%
Brokered Deposits	0.0% -1.9pp YoY 0.0pp QoQ	-7.9pp	7.9%	7.4%	8.5%	0%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	23.0% +0.9pp YoY +2.4pp QoQ	+11.4pp	11.6%	12.3%	12.5%	92%
CRE	34.9% -2.9pp YoY -1.6pp QoQ	-4.7pp	39.5%	36.8%	41.4%	43%
1-4 Family	32.7% +1.9pp YoY -0.3pp QoQ	+0.1pp	32.6%	31.9%	31.3%	57%
Consumer	3.7% -0.5pp YoY -0.2pp QoQ	-0.4pp	4.1%	4.1%	5.0%	67%

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	10.8% +0.1pp YoY +0.1pp QoQ	-1.3pp	12.2%	11.6%	12.6%	47%
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	124 -1 (-0.8%) YoY -3 (-2.4%) QoQ	+65	58	162	482	94%
Assets per Employee ($)	$5.9M +1.2% YoY +1.4% QoQ	-$1.6M	$7.5M	$8.0M	$8.8M	32%
Branch Count	11 0 YoY 0 QoQ	+6	4	10	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.3%	0.4%	68%
Nonaccrual	0.8% +0.1pp YoY +0.2pp QoQ	-0.1pp	0.9%	0.8%	1.0%	65%
Allowance Coverage	1.27x -19.5% YoY -33.3% QoQ	-22.88x	24.15x	10.47x	20.23x	34%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	0.0pp	0.1%	0.3%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	17.2% +1.8pp YoY +1.0pp QoQ	+5.0pp	12.2%	14.3%	11.6%	78%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	81%
Net Income ($, YTD)	$6.7M +14.4% YoY — QoQ	+$4.1M	$2.6M	$11.3M	$40.4M	94%

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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 (4)

Credit Risk Growth

risk

#129 of 936 • Bottom 13.7% 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

Capital Thin

risk

#176 of 661 • Bottom 26.5% 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: 10.84%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Liquidity Strain

risk

#200 of 691 • Bottom 28.8% 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: 96.85%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#615 of 1256 • Bottom 48.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.01%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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)

132

Total Loans

size

Value: $626.19M

Peer Median: $258.35M

#132 of 2643 Top 5.0% in $100M-$1B

257

Total Deposits

size

Value: $646.58M

Peer Median: $326.73M

#257 of 2643 Top 9.7% in $100M-$1B

294

Total Assets

size

Value: $733.21M

Peer Median: $386.57M

#294 of 2643 Top 11.1% in $100M-$1B

515

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.32%

#515 of 2643 Top 19.4% in $100M-$1B

591

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.99%

#591 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (3 metrics)

2276

Loan-to-Deposit Ratio

liquidity

Value: 96.85%

Peer Median: 77.95%

#2276 of 2643 Bottom 13.9% in $100M-$1B

2082

Tier 1 Capital Ratio

capital

Value: 10.84%

Peer Median: 15.91%

#2082 of 2643 Bottom 21.3% in $100M-$1B

2031

Nonperforming Asset Ratio

credit_quality

Value: 0.89%

Peer Median: 0.67%

#2031 of 2643 Bottom 23.2% in $100M-$1B