BlastPoint's Banking Scorecard

Midwest Bank

$100M-$1B Specialty: Commercial MN FDIC cert 9737

Detroit Lakes, MN

7 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Midwest Bank has 4 strengths but faces 2 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

+ Credit Quality Leader: Top 6.9% in tier
+ Profitability Leader: Top 15.2% in tier
+ Efficiency Ratio 25.40% below tier average
+ Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.0% in tier
- Loan-to-Deposit Ratio 30.50% above tier average

Get updates when Midwest Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$915.5M +14.2% YoY +2.5% QoQ	+$529.4M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 3.2% in tier
Total Loans ?	$817.1M +16.9% YoY +3.1% QoQ	+$561.4M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 0.2% in tier
Total Deposits ?	$762.7M +10.2% YoY +1.4% QoQ	+$434.7M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 4.0% in tier
Return on Assets ?	2.47% +22.3% YoY +14.0% QoQ	+1.20%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 5.0% in tier
Net Interest Margin ?	4.18% +7.7% YoY -0.3% QoQ	+0.25%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	39.89% -17.8% YoY -16.1% QoQ	-25.40%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 4.1% in tier
Delinquency Rate ?	0.05% +208.4% YoY +125.1% QoQ	-0.84%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	107.14% +6.1% YoY +1.8% QoQ	+30.50%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 3.8% in tier
Non-Interest-Bearing Deposit Share ?	16.38% -6.1% YoY -7.8% QoQ	-5.64%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.04% +215.6% YoY +126.5% QoQ	-0.59%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	10.36% -12.3% YoY +1.0% QoQ	-5.47%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 14.6% in tier
Non-Interest Income / Assets ?	0.15% +115.6% YoY -48.8% QoQ	-0.13%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	73%

Get Full Access to Midwest Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Credit Quality Leader

growth

#47 of 664 • Top 6.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#102 of 666 • Top 15.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.47%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#93 of 1308 • Bottom 7.0% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 (7 metrics)

Total Loans

size

Value: $817.13M

Peer Median: $255.72M

#5 of 2664 Top 0.2% in $100M-$1B

Total Assets

size

Value: $915.49M

Peer Median: $386.08M

#85 of 2664 Top 3.2% in $100M-$1B

108

Total Deposits

size

Value: $762.71M

Peer Median: $327.97M

#108 of 2664 Top 4.0% in $100M-$1B

109

Efficiency Ratio

profitability

Value: 39.89%

Peer Median: 65.29%

#109 of 2664 Top 4.1% in $100M-$1B

135

Return on Assets

profitability

Value: 2.47%

Peer Median: 1.27%

#135 of 2664 Top 5.0% in $100M-$1B

553

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#553 of 2654 Top 20.8% in $100M-$1B

571

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#571 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (2 metrics)

2564

Loan-to-Deposit Ratio

liquidity

Value: 107.14%

Peer Median: 76.64%

#2564 of 2664 Bottom 3.8% in $100M-$1B

2277

Tier 1 Capital Ratio

capital

Value: 10.36%

Peer Median: 15.83%

#2277 of 2664 Bottom 14.6% in $100M-$1B