BlastPoint's Banking Scorecard
Mid-Central National Bank
Wadena, MN
3 branches across MN
Mid-Central National Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.29% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.0% in tier
- - Efficiency Drag: Bottom 22.0% in tier
- - Deposit Outflow: Bottom 32.6% in tier
- - Capital Constraint: Bottom 80.6% in tier
- - ROA 0.64% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.9M
-3.9% YoY
+0.8% QoQ
|
-$269.2M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.0% in tier |
| Total Loans ? |
$90.2M
+9.6% YoY
+1.3% QoQ
|
-$165.5M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$94.9M
-5.3% YoY
+1.0% QoQ
|
-$233.0M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.0% in tier |
| Return on Assets ? |
0.63%
+0.2% YoY
-17.5% QoQ
|
-0.64% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
5.22%
+11.2% YoY
+5.0% QoQ
|
+1.29% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 4.8% in tier |
| Efficiency Ratio ? |
81.21%
+1.0% YoY
+5.8% QoQ
|
+15.92% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate ? |
1.17%
-14.5% YoY
-3.6% QoQ
|
+0.28% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
95.00%
+15.6% YoY
+0.3% QoQ
|
+18.36% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
12.24%
+5.7% YoY
+2.6% QoQ
|
-9.78% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.90%
-10.0% YoY
-3.1% QoQ
|
+0.27% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
23.95%
-5.6% YoY
+0.2% QoQ
|
+8.12% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 7.6% in tier |
| Non-Interest Income / Assets ? |
0.13%
-18.9% YoY
-78.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (0)
Concerns (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.