BlastPoint's Banking Scorecard
Mid-America Bank
Community
Specialty: Commercial
KS
FDIC cert 17374
Baldwin City, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Mid-America Bank shows strong momentum with 1 strength and 17.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.43% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$548.8M
+17.5% YoY
+4.4% QoQ
|
-$842.6M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$427.3M
+19.7% YoY
+4.8% QoQ
|
-$548.2M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$408.9M
+18.0% YoY
+0.4% QoQ
|
-$755.7M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.57%
+0.3% YoY
-1.8% QoQ
|
+0.40% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.85%
+3.2% YoY
+0.7% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
51.88%
-0.8% YoY
+5.7% QoQ
|
-10.75% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.21%
+408.0% YoY
-48.3% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
104.49%
+1.4% YoY
+4.4% QoQ
|
+21.43% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.13%
+4.7% YoY
+6.3% QoQ
|
-10.91% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.16%
+417.5% YoY
-48.1% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.25%
-6.2% YoY
-1.2% QoQ
|
+2.01% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.59%
-18.0% YoY
+35.2% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
104.49%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
Loan-to-Deposit Ratio
Current: 104.49% · Tier avg: 83.06%
80
80th pctile
Efficiency Ratio
Current: 51.88% · Tier avg: 62.63%
76
76th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
63
63th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.25% · Tier avg: 10.24%
19
19th pctile
Total Loans
Current: $427.3M · Tier avg: $975.5M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 10.13% · Tier avg: 21.05%
7
7th pctile
Total Assets
Current: $548.8M · Tier avg: $1.4B
2
2th pctile
Total Deposits
Current: $408.9M · Tier avg: $1.2B
Top Weaknesses
2
2th pctile
Total Deposits
Current: $408.9M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $548.8M · Tier avg: $1.4B
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 10.13% · Tier avg: 21.05%
19
19th pctile
Total Loans
Current: $427.3M · Tier avg: $975.5M
50
50th pctile
Tier 1 Capital Ratio
Current: 12.25% · Tier avg: 10.24%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
63
63th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
76
76th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.16%
80
80th pctile
Efficiency Ratio
Current: 51.88% · Tier avg: 62.63%
93
93th pctile
Loan-to-Deposit Ratio
Current: 104.49% · Tier avg: 83.06%