BlastPoint's Banking Scorecard

Midwest Regional Bank

$100M-$1B Specialty: Commercial MO FDIC cert 8889

Clayton, MO

7 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Midwest Regional Bank faces 8 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

- Liquidity Strain: Bottom 0.3% in tier
- Capital Constraint: Bottom 14.8% in tier
- Deposit Outflow: Bottom 41.9% in tier
- Delinquency Rate 5.42% above tier average
- Non-Interest-Bearing Deposit Share 13.50% below tier average
- Nonperforming Asset Ratio 4.43% above tier average
- ROA 0.60% below tier average
- Net Interest Margin 0.48% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$989.8M -10.4% YoY -5.7% QoQ	+$603.7M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 0.3% in tier
Total Loans ?	$786.5M -11.1% YoY -6.1% QoQ	+$530.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 0.5% in tier
Total Deposits ?	$859.7M -11.8% YoY -5.4% QoQ	+$531.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 0.4% in tier
Return on Assets ?	0.67% +26.7% YoY +214.7% QoQ	-0.60%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.45% +13.1% YoY -1.6% QoQ	-0.48%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	69.36% -1.5% YoY -2.1% QoQ	+4.07%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	6.31% +14.5% YoY +9.9% QoQ	+5.42%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 1.2% in tier
Loan-to-Deposit Ratio ?	91.48% +0.8% YoY -0.8% QoQ	+14.85%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	8.52% +19.1% YoY -0.1% QoQ	-13.50%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 8.1% in tier
Nonperforming Asset Ratio ?	5.07% +13.9% YoY +10.7% QoQ	+4.43%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 0.9% in tier
Tier 1 Capital Ratio ?	12.22% +14.0% YoY +5.5% QoQ	-3.61%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.19% +44.6% YoY -76.9% QoQ	-0.09%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	84%

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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 (3)

Liquidity Strain

risk

#3 of 643 • Bottom 0.3% 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: 91.48%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#17 of 108 • Bottom 14.8% 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: 91.48%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.22%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#213 of 506 • Bottom 41.9% 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

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)

Total Assets

size

Value: $989.78M

Peer Median: $386.08M

#9 of 2664 Top 0.3% in $100M-$1B

Total Deposits

size

Value: $859.68M

Peer Median: $327.97M

#12 of 2664 Top 0.4% in $100M-$1B

Total Loans

size

Value: $786.47M

Peer Median: $255.72M

#14 of 2664 Top 0.5% in $100M-$1B

415

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#415 of 2664 Top 15.5% in $100M-$1B

Top Weaknesses (5 metrics)

2641

Nonperforming Asset Ratio

credit_quality

Value: 5.07%

Peer Median: 0.64%

#2641 of 2664 Bottom 0.9% in $100M-$1B

2624

Delinquency Rate

credit_quality

Value: 6.31%

Peer Median: 0.89%

#2624 of 2654 Bottom 1.2% in $100M-$1B

2449

Non-Interest-Bearing Deposit Share

funding

Value: 8.52%

Peer Median: 22.02%

#2449 of 2664 Bottom 8.1% in $100M-$1B

2143

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2143 of 2664 Bottom 19.6% in $100M-$1B

2087

Loan-to-Deposit Ratio

liquidity

Value: 91.48%

Peer Median: 76.64%

#2087 of 2664 Bottom 21.7% in $100M-$1B