BlastPoint's Banking Scorecard

MidAmerica National Bank

$100M-$1B Specialty: Commercial IL FDIC cert 3612

Canton, IL

6 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

MidAmerica National Bank faces 5 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

- Margin Compression: Bottom 20.3% in tier
- Capital Thin: Bottom 36.8% in tier
- Cost Spiral: Bottom 84.9% in tier
- Delinquency Rate 3.83% above tier average
- Nonperforming Asset Ratio 2.70% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$662.2M +5.1% YoY +3.4% QoQ	+$276.1M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 14.7% in tier
Total Loans ?	$437.2M -0.7% YoY -1.6% QoQ	+$181.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$590.7M +5.6% YoY +4.1% QoQ	+$262.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 13.0% in tier
Return on Assets ?	0.87% -18.5% YoY +97.8% QoQ	-0.40%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	3.96% -2.0% YoY +0.2% QoQ	+0.03%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	70.35% +13.2% YoY +1.4% QoQ	+5.06%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	4.71% -9.6% YoY +14.9% QoQ	+3.83%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 2.4% in tier
Loan-to-Deposit Ratio ?	74.00% -6.0% YoY -5.4% QoQ	-2.64%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	24.31% -5.1% YoY +3.5% QoQ	+2.29%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	3.34% -8.6% YoY +1.4% QoQ	+2.70%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 2.4% in tier
Tier 1 Capital Ratio ?	9.90% -3.1% YoY +1.0% QoQ	-5.93%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 8.7% in tier
Non-Interest Income / Assets ?	0.17% +15.6% YoY -72.3% QoQ	-0.11%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	80%

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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 (3)

Margin Compression

decline

#63 of 305 • Bottom 20.3% 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: 0.87%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Thin

risk

#246 of 666 • Bottom 36.8% 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: 9.90%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Cost Spiral

risk

#108 of 126 • Bottom 84.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 70.35%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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)

346

Total Deposits

size

Value: $590.73M

Peer Median: $327.97M

#346 of 2664 Top 13.0% in $100M-$1B

392

Total Assets

size

Value: $662.19M

Peer Median: $386.08M

#392 of 2664 Top 14.7% in $100M-$1B

449

Total Loans

size

Value: $437.15M

Peer Median: $255.72M

#449 of 2664 Top 16.8% in $100M-$1B

523

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#523 of 2664 Top 19.6% in $100M-$1B

Top Weaknesses (3 metrics)

2601

Nonperforming Asset Ratio

credit_quality

Value: 3.34%

Peer Median: 0.64%

#2601 of 2664 Bottom 2.4% in $100M-$1B

2591

Delinquency Rate

credit_quality

Value: 4.71%

Peer Median: 0.89%

#2591 of 2654 Bottom 2.4% in $100M-$1B

2433

Tier 1 Capital Ratio

capital

Value: 9.90%

Peer Median: 15.83%

#2433 of 2664 Bottom 8.7% in $100M-$1B