BlastPoint's Banking Scorecard
Midstates Bank, National Association
Council Bluffs, IA
10 branches across IA
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 167 in IA.
- Deposits +6.0% year over year ($570.2M on the books).
- Delinquency rate 0.30%.
- Return on assets 1.49%.
- Efficiency ratio 54.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Midstates Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Efficiency Ratio 9.94% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$653.9M
+4.9% YoY
+3.6% QoQ
|
+$267.3M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
85% |
| Total Loans ? |
$420.3M
+5.8% YoY
+0.1% QoQ
|
+$161.9M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$570.2M
+6.0% YoY
+5.0% QoQ
|
+$243.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Top 14.5% in tier |
| Return on Assets ? |
1.49%
+43.6% YoY
+8.7% QoQ
|
+0.17% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
3.86%
+11.4% YoY
+1.9% QoQ
|
-0.13% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
54.54%
-12.3% YoY
-0.7% QoQ
|
-9.94% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.30%
-61.2% YoY
-14.8% QoQ
|
-0.62% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
73.71%
-0.2% YoY
-4.7% QoQ
|
-4.24% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
20.66%
-3.4% YoY
-7.4% QoQ
|
-1.37% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.19%
-60.9% YoY
-17.7% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
16.79%
+3.0% YoY
+1.4% QoQ
|
+0.89% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.15%
-25.7% YoY
+137.2% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.7%
-0.7pp YoY -1.7pp QoQ |
-1.5pp | 22.1% | 17.8% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
+1.7pp YoY +0.3pp QoQ |
-5.9pp | 11.6% | 12.8% | 12.5% | 24% |
| CRE |
31.8%
+0.6pp YoY +0.3pp QoQ |
-7.8pp | 39.5% | 28.3% | 41.4% | 38% |
| 1-4 Family |
16.7%
-1.8pp YoY +0.5pp QoQ |
-15.9pp | 32.6% | 23.0% | 31.3% | 23% |
| Consumer |
0.7%
-0.1pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 2.9% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.8%
+0.5pp YoY +0.2pp QoQ |
-2.0pp | 18.8% | 15.4% | 19.7% | 62% |
| Leverage Ratio |
11.6%
+0.7pp YoY -0.2pp QoQ |
-0.6pp | 12.2% | 12.4% | 12.6% | 60% |
| Total Capital Ratio |
18.1%
+0.5pp YoY +0.2pp QoQ |
-1.9pp | 19.9% | 16.5% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
93
-6 (-6.1%) YoY +1 (+1.1%) QoQ |
+34 | 58 | 64 | 482 | 84% |
| Assets per Employee ($) |
$7.0M
+11.7% YoY +2.5% QoQ |
-$487K | $7.5M | $8.9M | $8.8M | 53% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 5 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.5pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 38% |
| Allowance Coverage |
7.35x
+154.0% YoY +18.2% QoQ |
-16.80x | 24.15x | 18.97x | 20.23x | 77% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
+2.5pp YoY +1.3pp QoQ |
+2.2pp | 12.2% | 12.8% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 24% |
| Net Income ($, YTD) |
$4.8M
+45.3% YoY — QoQ |
+$2.2M | $2.6M | $4.0M | $40.4M | 86% |
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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.