BlastPoint's Banking Scorecard

Midwest Heritage Bank, FSB

$100M-$1B Specialty: Other IA FDIC cert 4432

West Des Moines, IA

13 branches across IA · KS

2664 banks in the $100M-$1B peer group nationally 166 in IA

Midwest Heritage Bank, FSB has 2 strengths but faces 6 concerns

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

+ Revenue Diversifier: Top 15.2% in tier
+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.0% in tier
- Margin Compression: Bottom 1.3% in tier
- Liquidity Overhang: Bottom 26.1% in tier
- Flatlined Growth: Bottom 32.4% in tier
- Liquidity Strain: Bottom 33.4% in tier
- Delinquency Rate 0.77% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$490.0M +0.1% YoY -0.3% QoQ	+$103.9M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$380.9M +4.9% YoY -2.9% QoQ	+$125.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$400.0M +4.8% YoY +11.6% QoQ	+$72.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	0.93% -66.1% YoY -51.0% QoQ	-0.34%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	4.04% +8.4% YoY +5.2% QoQ	+0.11%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	81.74% +44.6% YoY +23.6% QoQ	+16.45%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Bottom 13.3% in tier
Delinquency Rate ?	1.65% +457.5% YoY +3.9% QoQ	+0.77%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	95.22% +0.1% YoY -13.0% QoQ	+18.58%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	20.49% +14.9% YoY -2.0% QoQ	-1.53%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	1.29% +484.3% YoY +1.3% QoQ	+0.65%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 14.3% in tier
Tier 1 Capital Ratio ?	17.48% +8.7% YoY +5.7% QoQ	+1.65%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.75% -45.4% YoY -82.0% QoQ	+0.47%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 2.0% in tier

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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 (1)

Revenue Diversifier

growth

#102 of 666 • Top 15.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.75%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.93%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (5)

Efficiency Drag

risk

#5 of 414 • Bottom 1.0% in tier

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

Why this signature

Efficiency Ratio: 81.74%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Margin Compression

decline

#5 of 305 • Bottom 1.3% 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: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Overhang

risk

#194 of 739 • Bottom 26.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.48%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.22%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#167 of 512 • Bottom 32.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#216 of 643 • Bottom 33.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.22%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.75%

Peer Median: 0.28%

#55 of 2664 Top 2.0% in $100M-$1B

555

Tier 1 Capital Ratio

capital

Value: 17.48%

Peer Median: 15.83%

#555 of 2664 Top 20.8% in $100M-$1B

589

Total Loans

size

Value: $380.85M

Peer Median: $255.72M

#589 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (4 metrics)

2311

Efficiency Ratio

profitability

Value: 81.74%

Peer Median: 65.29%

#2311 of 2664 Bottom 13.3% in $100M-$1B

2284

Nonperforming Asset Ratio

credit_quality

Value: 1.29%

Peer Median: 0.64%

#2284 of 2664 Bottom 14.3% in $100M-$1B

2261

Loan-to-Deposit Ratio

liquidity

Value: 95.22%

Peer Median: 76.64%

#2261 of 2664 Bottom 15.2% in $100M-$1B

2225

Delinquency Rate

credit_quality

Value: 1.65%

Peer Median: 0.89%

#2225 of 2654 Bottom 16.2% in $100M-$1B