BlastPoint's Banking Scorecard
Midwest National Bank
Sandoval, IL
2 branches across IL
Midwest National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.18% below tier average
- - Efficiency Ratio 30.70% above tier average
- - Non-Interest Income / Assets 0.35% below tier average
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.6M
+8.2% YoY
-0.3% QoQ
|
-$265.5M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.0% in tier |
| Total Loans ? |
$92.6M
+7.1% YoY
-0.7% QoQ
|
-$163.1M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$108.5M
+13.2% YoY
+0.1% QoQ
|
-$219.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.1% in tier |
| Return on Assets ? |
0.09%
-52.1% YoY
-68.0% QoQ
|
-1.18% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.4% in tier |
| Net Interest Margin ? |
3.75%
+4.1% YoY
-2.2% QoQ
|
-0.18% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
95.99%
+3.8% YoY
+16.0% QoQ
|
+30.70% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate ? |
0.73%
-37.8% YoY
-20.2% QoQ
|
-0.15% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
85.41%
-5.4% YoY
-0.8% QoQ
|
+8.77% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
18.74%
-0.7% YoY
+13.3% QoQ
|
-3.28% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.56%
-45.0% YoY
-20.5% QoQ
|
-0.07% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
11.49%
+2.2% YoY
+4.3% QoQ
|
-4.34% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
-0.07%
-166.6% YoY
-113.7% QoQ
|
-0.35% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.2% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.