BlastPoint

BlastPoint's Banking Scorecard

Midwest National Bank

$100M-$1B Specialty: Other IL FDIC cert 3834

Sandoval, IL

2 branches across IL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +7.7% year over year ($108.5M on the books).
  • Delinquency rate 1.94%.
  • Return on assets 0.03%.
  • Efficiency ratio 98.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.14% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Midwest National Bank 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

  • - Credit Risk Growth: Bottom 16.7% in tier
  • - Efficiency Drag: Bottom 49.0% in tier
  • - NIB Deposit Bleed: Bottom 53.1% in tier
  • - Return on Assets 1.29% below tier average
  • - Non-Interest Income / Assets 0.73% below tier average
  • - Net Interest Margin 0.25% below tier average
Get updates when Midwest National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $122.6M
+5.3% YoY +1.6% QoQ
-$264.0M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 6.4% in tier
Total Loans ? $95.6M
+3.0% YoY +3.2% QoQ
-$162.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $108.5M
+7.7% YoY +0.0% QoQ
-$218.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 8.2% in tier
Return on Assets ? 0.03%
-82.0% YoY -65.6% QoQ
-1.29% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 3.5% in tier
Net Interest Margin ? 3.74%
-0.2% YoY -0.4% QoQ
-0.25% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 98.18%
+24.3% YoY +2.3% QoQ
+33.70% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 2.5% in tier
Delinquency Rate ? 1.94%
+14.0% YoY +163.7% QoQ
+1.02% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 13.5% in tier
Loan-to-Deposit Ratio ? 88.14%
-4.4% YoY +3.2% QoQ
+10.19% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 16.65%
-16.2% YoY -11.1% QoQ
-5.38% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 1.51%
+11.5% YoY +167.8% QoQ
+0.84% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 12.0% in tier
Tier 1 Capital Ratio ? 11.38%
+5.3% YoY -1.0% QoQ
-4.53% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
28%
Non-Interest Income / Assets ? -0.16%
-132.3% YoY -120.8% QoQ
-0.73% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 0.2% in tier

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 (IL) National Avg Tier Percentile
Noninterest-Bearing 16.7%
-3.2pp YoY
-2.1pp QoQ
 -5.5pp 22.1% 20.1% 22.2% 31%
Brokered Deposits 19.3%
+13.2pp YoY
+0.4pp QoQ
 +11.5pp 7.9% 8.0% 8.5% 89%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 7.3%
-1.4pp YoY
-0.2pp QoQ
 -4.3pp 11.6% 14.7% 12.5% 34%
CRE 24.1%
+0.1pp YoY
-0.8pp QoQ
 -15.4pp 39.5% 37.9% 41.4% 25%
1-4 Family 52.9%
+2.9pp YoY
+1.6pp QoQ
 +20.3pp 32.6% 28.3% 31.3% 85%
Consumer 8.5%
-0.5pp YoY
-0.4pp QoQ
 +4.4pp 4.1% 5.4% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 11.4%
+0.6pp YoY
-0.1pp QoQ
 -7.4pp 18.8% 19.9% 19.7% 11%
Leverage Ratio 8.1%
+0.2pp YoY
0.0pp QoQ
 -4.1pp 12.2% 12.2% 12.6% 2%
Total Capital Ratio 12.6%
+0.6pp YoY
-0.1pp QoQ
 -7.3pp 19.9% 20.9% 20.8% 12%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 24
-1 (-4.0%) YoY
0 QoQ
 -35 58 228 482 17%
Assets per Employee ($) $5.1M
+9.6% YoY
+1.6% QoQ
 -$2.4M $7.5M $8.3M $8.8M 16%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 1.0%
+0.9pp YoY
+1.0pp QoQ
 +0.7pp 0.3% 0.4% 0.4% 92%
Nonaccrual 0.9%
-0.7pp YoY
+0.2pp QoQ
 0.0pp 0.9% 1.1% 1.0% 69%
Allowance Coverage 0.59x
-9.5% YoY
-63.3% QoQ
 -23.57x 24.15x 5.62x 20.23x 13%
Net Charge-off Rate (YTD) 0.0%
-0.7pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 0.4%
-2.0pp YoY
-0.8pp QoQ
 -11.8pp 12.2% 10.5% 11.6% 4%
Cost of Funds (YTD) 2.9%
0.0pp YoY
0.0pp QoQ
 +1.1pp 1.7% 1.6% 1.7% 96%
Net Income ($, YTD) $18,000
-80.4% YoY
— QoQ
 -$2.5M $2.6M $11.7M $40.4M 3%

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)

Credit Risk Growth

risk
#157 of 936 • Bottom 16.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Efficiency Drag

risk
#178 of 361 • Bottom 49.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 98.18%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#87 of 162 • Bottom 53.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.65%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2640
Non-Interest Income / Assets
revenue_mix
Value: -0.16%
Peer Median: 0.57%
#2640 of 2643 Bottom 0.2% in $100M-$1B
2578
Efficiency Ratio
profitability
Value: 98.18%
Peer Median: 64.48%
#2578 of 2643 Bottom 2.5% in $100M-$1B
2551
Return on Assets
profitability
Value: 0.03%
Peer Median: 1.32%
#2551 of 2643 Bottom 3.5% in $100M-$1B
2474
Total Assets
size
Value: $122.60M
Peer Median: $386.57M
#2474 of 2643 Bottom 6.4% in $100M-$1B
2428
Total Deposits
size
Value: $108.50M
Peer Median: $326.73M
#2428 of 2643 Bottom 8.2% in $100M-$1B
2326
Nonperforming Asset Ratio
credit_quality
Value: 1.51%
Peer Median: 0.67%
#2326 of 2643 Bottom 12.0% in $100M-$1B
2278
Delinquency Rate
credit_quality
Value: 1.94%
Peer Median: 0.92%
#2278 of 2633 Bottom 13.5% in $100M-$1B
2187
Total Loans
size
Value: $95.63M
Peer Median: $258.35M
#2187 of 2643 Bottom 17.3% in $100M-$1B
Powered by BlastPoint © 2026