BlastPoint's Banking Scorecard
Midwest BankCentre
Community
Specialty: Commercial
MO
FDIC cert 1058
Lemay, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Midwest BankCentre faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 45% in Community
- - Non-Interest-Bearing Deposit Share 17.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+5.9% YoY
-0.1% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$2.4B
+6.5% YoY
-0.3% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.5B
+4.9% YoY
-1.1% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.10%
+5.3% YoY
-6.2% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.65%
+6.7% YoY
+1.6% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
56.81%
-9.7% YoY
+1.4% QoQ
|
-5.82% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.23%
+347.4% YoY
+91.9% QoQ
|
+0.61% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
96.86%
+1.6% YoY
+0.8% QoQ
|
+13.80% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
3.95%
+5.2% YoY
+13.1% QoQ
|
-17.09% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
1.01%
+359.5% YoY
+88.0% QoQ
|
+0.51% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.30%
+9.7% YoY
+4.6% QoQ
|
+3.06% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.50%
+1.1% YoY
+29.3% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#231 of 513 · Bottom 45% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.86%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
3.95%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
68
68th pctile
Efficiency Ratio
Current: 56.81% · Tier avg: 62.63%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.30% · Tier avg: 10.24%
51
51th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
20
20th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.50%
18
18th pctile
Loan-to-Deposit Ratio
Current: 96.86% · Tier avg: 83.06%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.95% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 3.95% · Tier avg: 21.05%
18
18th pctile
Loan-to-Deposit Ratio
Current: 96.86% · Tier avg: 83.06%
20
20th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.63%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
51
51th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.30% · Tier avg: 10.24%
68
68th pctile
Efficiency Ratio
Current: 56.81% · Tier avg: 62.63%
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
91
91th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M