BlastPoint's Banking Scorecard

Midwest Independent BankersBank

$100M-$1B Specialty: Commercial MO FDIC cert 25849

Jefferson City, MO

2 branches across MO · NE

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

Midwest Independent BankersBank has 6 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

+ Revenue Diversifier: Top 10.4% in tier
+ Credit Quality Leader: Top 41.6% in tier
+ Non-Interest-Bearing Deposit Share 21.92% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.24% above tier average
+ Net Interest Margin 0.08% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.9% in tier
- Margin Compression: Bottom 60.0% in tier
- Efficiency Ratio 1.21% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$339.5M +1.7% YoY -5.5% QoQ	-$46.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$253.5M +3.3% YoY -0.1% QoQ	-$2.2M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$272.2M +11.1% YoY +1.9% QoQ	-$55.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	1.51% -6.8% YoY -16.7% QoQ	+0.24%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	4.01% +11.4% YoY +5.8% QoQ	+0.08%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	66.50% +5.9% YoY +11.1% QoQ	+1.21%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	93.12% -7.1% YoY -1.9% QoQ	+16.48%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	43.94% -3.0% YoY -2.3% QoQ	+21.92%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 3.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.33% +8.8% YoY +2.8% QoQ	-0.50%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.56% +1.1% YoY -73.4% QoQ	+0.28%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 2.8% in tier

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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 (2)

Revenue Diversifier

growth

#70 of 666 • Top 10.4% 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: 0.56%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#277 of 664 • Top 41.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#142 of 643 • Bottom 21.9% 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: 93.12%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#184 of 305 • Bottom 60.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 0.28%

#76 of 2664 Top 2.8% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 43.94%

Peer Median: 22.02%

#83 of 2664 Top 3.1% in $100M-$1B

Top Weaknesses (1 metrics)

2183

Loan-to-Deposit Ratio

liquidity

Value: 93.12%

Peer Median: 76.64%

#2183 of 2664 Bottom 18.1% in $100M-$1B