BlastPoint's Banking Scorecard

Bank Midwest

$1B-$10B Specialty: Commercial IA FDIC cert 5170

Designations: ✓ Community bank

Spirit Lake, IA

11 branches across MN · IA · SD

884 banks in the $1B-$10B peer group nationally 27 in IA

Bank Midwest 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

+ Net Interest Margin 0.10% above tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.7% in tier
- Credit Quality Pressure: Bottom 17.3% in tier
- Capital Constraint: Bottom 40.5% in tier
- Deposit Outflow: Bottom 42.3% in tier
- ROA 0.37% below tier average
- Efficiency Ratio 2.85% 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 ?	$1.3B -2.3% YoY -2.3% QoQ	-$1.5B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$1.0B -2.4% YoY +0.8% QoQ	-$933.1M	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$1.1B -3.2% YoY -3.2% QoQ	-$1.2B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	1.00% +25.9% YoY +17.7% QoQ	-0.37%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.92% +12.1% YoY +5.8% QoQ	+0.10%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	63.91% -9.4% YoY -5.0% QoQ	+2.85%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.44% +4.2% YoY -26.6% QoQ	-0.45%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	91.99% +0.9% YoY +4.2% QoQ	+7.79%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	14.48% +1.6% YoY -14.9% QoQ	-6.81%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.34% -22.1% YoY -24.2% QoQ	-0.33%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	11.85% +7.6% YoY +1.9% QoQ	-3.31%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.26% +1.6% YoY -72.3% QoQ	+0.00%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	81%

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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 (4)

Liquidity Strain

risk

#10 of 334 • Bottom 2.7% 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: 91.99%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ

Credit Quality Pressure

risk

#90 of 513 • Bottom 17.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Constraint

risk

#16 of 37 • Bottom 40.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 91.99%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.85%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#56 of 130 • Bottom 42.3% in tier

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

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 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 884 peers in $1B-$10B

Top Strengths (1 metrics)

170

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.26%

#170 of 884 Top 19.1% in $1B-$10B

Top Weaknesses (2 metrics)

675

Total Assets

size

Value: $1.32B

Peer Median: $2.82B

#675 of 884 Bottom 23.8% in $1B-$10B

664

Total Deposits

size

Value: $1.12B

Peer Median: $2.34B

#664 of 884 Bottom 25.0% in $1B-$10B