BlastPoint's Banking Scorecard

Midstates Bank, National Association

$100M-$1B Specialty: Agricultural IA FDIC cert 4465

Council Bluffs, IA

10 branches across IA

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

Midstates Bank, National Association has 3 strengths but faces 3 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

+ ROA 0.10% above tier average
+ Efficiency Ratio 10.37% below tier average
+ Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 47.8% in tier
- Flatlined Growth: Bottom 49.8% in tier
- Net Interest Margin 0.14% below tier average

Get updates when Midstates Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$631.4M -0.9% YoY +0.0% QoQ	+$245.3M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$419.8M +5.8% YoY +1.4% QoQ	+$164.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$542.9M -2.9% YoY -0.0% QoQ	+$214.9M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.37% +30.9% YoY +13.2% QoQ	+0.10%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.79% +12.3% YoY +1.8% QoQ	-0.14%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	54.91% -11.8% YoY -3.2% QoQ	-10.37%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.35% -65.6% YoY +17.5% QoQ	-0.54%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	77.33% +8.9% YoY +1.4% QoQ	+0.69%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	22.32% +0.4% YoY -1.0% QoQ	+0.30%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.23% -63.3% YoY +19.0% QoQ	-0.41%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	16.57% +4.2% YoY +0.1% QoQ	+0.74%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.06% -24.2% YoY -85.1% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	27%

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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 (2)

Deposit Outflow

decline

#243 of 506 • Bottom 47.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#256 of 512 • Bottom 49.8% 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: 1.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

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)

448

Total Deposits

size

Value: $542.90M

Peer Median: $327.97M

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

461

Total Assets

size

Value: $631.36M

Peer Median: $386.08M

#461 of 2664 Top 17.3% in $100M-$1B

492

Total Loans

size

Value: $419.84M

Peer Median: $255.72M

#492 of 2664 Top 18.4% in $100M-$1B

663

Tier 1 Capital Ratio

capital

Value: 16.57%

Peer Median: 15.83%

#663 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available