BlastPoint's Banking Scorecard
MidCountry Bank
Designations: ✓ Community bank
Minneapolis, MN
16 branches across MN
MidCountry Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio 2.98% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Delinquency Rate 0.69% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-4.6% YoY
+0.1% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.2% in tier |
| Total Loans ? |
$687.4M
-10.5% YoY
-2.2% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.9% in tier |
| Total Deposits ? |
$841.5M
-8.7% YoY
-0.1% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.6% in tier |
| Return on Assets ? |
1.22%
+59.4% YoY
+42.1% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
4.16%
+19.6% YoY
+14.9% QoQ
|
+0.34% |
3.82%
+6.9% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
58.08%
-14.5% YoY
-10.4% QoQ
|
-2.98% |
61.06%
-4.6% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
1.58%
-31.7% YoY
-12.6% QoQ
|
+0.69% |
0.89%
+14.1% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.5% in tier |
| Loan-to-Deposit Ratio ? |
81.69%
-1.9% YoY
-2.1% QoQ
|
-2.52% |
84.20%
+0.3% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
20.24%
+10.7% YoY
-6.1% QoQ
|
-1.05% |
21.29%
-2.5% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.04%
-38.0% YoY
-14.5% QoQ
|
+0.36% |
0.67%
+15.6% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
16.85%
+14.8% YoY
+4.5% QoQ
|
+1.69% |
15.16%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 14.9% in tier |
| Non-Interest Income / Assets ? |
0.07%
+3.1% YoY
-74.5% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
19% |
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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.
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.