BlastPoint's Banking Scorecard

First Bank Midwest

$1B-$10B Specialty: Commercial IN FDIC cert 28533

Designations: ✓ Community bank

Frankfort, IN

26 branches across IN · OH

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in IN.
Deposits +4.8% year over year ($1.2B on the books).
Delinquency rate 1.80%.
Return on assets 0.72%.
Efficiency ratio 69.12% vs a 59.73% peer average.
Loan-to-deposit ratio 104.82% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in IN

View $1B-$10B leaderboard (IN) →

First Bank Midwest faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 19.79% above tier average
- Non-Interest-Bearing Deposit Share 12.09% below tier average
- ROA 0.67% below tier average
- Net Interest Margin 0.68% below tier average
- Efficiency Ratio 9.39% above tier average
- Delinquency Rate 0.94% above tier average

Get updates when First Bank Midwest releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$1.5B +2.8% YoY +2.2% QoQ	-$1.2B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$1.2B +3.3% YoY +2.9% QoQ	-$755.2M	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$1.2B +4.8% YoY +3.7% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.72% +7.2% YoY -6.4% QoQ	-0.67%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	Bottom 14.6% in tier
Net Interest Margin ?	3.19% +10.5% YoY +2.1% QoQ	-0.68%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	69.12% +2.7% YoY +3.3% QoQ	+9.39%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	1.80% +161.5% YoY +20.2% QoQ	+0.94%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	Bottom 11.1% in tier
Loan-to-Deposit Ratio ?	104.82% -1.4% YoY -0.8% QoQ	+19.79%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	Bottom 7.5% in tier
Non-Interest-Bearing Deposit Share ?	9.18% -7.8% YoY -2.6% QoQ	-12.09%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	Bottom 9.5% in tier
Nonperforming Asset Ratio ?	1.41% +162.2% YoY +21.0% QoQ	+0.74%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Bottom 11.8% in tier
Tier 1 Capital Ratio ?	12.99% -0.0% YoY -2.8% QoQ	-1.85%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.21% +13.7% YoY +109.8% QoQ	-0.32%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	32%

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	9.2% -0.8pp YoY -0.2pp QoQ	-12.2pp	21.4%	16.8%	22.2%	9%
Brokered Deposits	22.9% +1.2pp YoY +1.7pp QoQ	+13.5pp	9.5%	7.2%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	12.4% +1.1pp YoY +0.8pp QoQ	-1.6pp	14.0%	11.1%	12.5%	56%
CRE	58.1% -0.1pp YoY -0.6pp QoQ	+8.0pp	50.0%	36.2%	41.4%	71%
1-4 Family	15.9% -0.2pp YoY -0.1pp QoQ	-10.5pp	26.4%	40.0%	31.3%	34%
Consumer	1.5% -0.3pp YoY -0.1pp QoQ	-3.2pp	4.7%	3.2%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	13.0% 0.0pp YoY -0.4pp QoQ	-2.6pp	15.6%	17.5%	19.7%	41%
Leverage Ratio	10.9% +0.1pp YoY -0.2pp QoQ	-0.4pp	11.3%	13.0%	12.6%	58%
Total Capital Ratio	14.2% 0.0pp YoY -0.4pp QoQ	-2.5pp	16.7%	18.7%	20.8%	43%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	174 -2 (-1.1%) YoY +1 (+0.6%) QoQ	-140	313	237	482	32%
Assets per Employee ($)	$8.9M +4.0% YoY +1.6% QoQ	-$1.6M	$10.5M	$7.5M	$8.8M	52%
Branch Count	14 +1 (+7.7%) YoY 0 QoQ	-6	20	17	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY 0.0pp QoQ	0.0pp	0.2%	0.2%	0.4%	83%
Nonaccrual	1.7% +1.2pp YoY +0.3pp QoQ	+0.8pp	0.8%	0.8%	1.0%	89%
Allowance Coverage	0.78x -61.3% YoY -18.0% QoQ	-17.93x	18.71x	6.71x	20.23x	15%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	8.1% -0.2pp YoY -0.5pp QoQ	-4.5pp	12.6%	11.2%	11.6%	20%
Cost of Funds (YTD)	2.7% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.8%	1.7%	90%
Net Income ($, YTD)	$5.5M +8.5% YoY — QoQ	-$13.7M	$19.2M	$16.3M	$40.4M	14%

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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 (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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

820

Loan-to-Deposit Ratio

liquidity

Value: 104.82%

Peer Median: 85.04%

#820 of 885 Bottom 7.5% in $1B-$10B

802

Non-Interest-Bearing Deposit Share

funding

Value: 9.18%

Peer Median: 21.27%

#802 of 885 Bottom 9.5% in $1B-$10B

785

Delinquency Rate

credit_quality

Value: 1.80%

Peer Median: 0.87%

#785 of 882 Bottom 11.1% in $1B-$10B

782

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.67%

#782 of 885 Bottom 11.8% in $1B-$10B

757

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.39%

#757 of 885 Bottom 14.6% in $1B-$10B

697

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.87%

#697 of 885 Bottom 21.4% in $1B-$10B

684

Efficiency Ratio

profitability

Value: 69.12%

Peer Median: 59.73%

#684 of 885 Bottom 22.8% in $1B-$10B