BlastPoint's Banking Scorecard
First Midwest Bank of Dexter
Community
Specialty: Commercial
MO
FDIC cert 19001
Dexter, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First Midwest Bank of Dexter faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 32% in Community
- - NIB Deposit Bleed: Bottom 42% in Community
- - Loan-to-Deposit Ratio 20.93% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$679.0M
+8.4% YoY
-0.2% QoQ
|
-$712.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$566.3M
+6.7% YoY
+1.5% QoQ
|
-$409.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$544.6M
+11.1% YoY
+0.8% QoQ
|
-$620.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.41%
+54.6% YoY
-0.3% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.64%
+9.5% YoY
+2.2% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
60.23%
-16.0% YoY
+0.6% QoQ
|
-2.40% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.24%
+148.4% YoY
+175.9% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
104.00%
-4.0% YoY
+0.7% QoQ
|
+20.93% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.10%
-17.3% YoY
+22.6% QoQ
|
-4.95% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.20%
+144.5% YoY
+180.7% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.36%
+8.7% YoY
+35.7% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#204 of 642 · Bottom 32% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
NIB Deposit Bleed
decline
#38 of 89 · Bottom 42% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.10%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
104.00%
(Tier avg: 83.06%, National avg: 78.04%)
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
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
55
55th pctile
Efficiency Ratio
Current: 60.23% · Tier avg: 62.63%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
38
38th pctile
Total Loans
Current: $566.3M · Tier avg: $975.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.10% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Total Assets
Current: $679.0M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $544.6M · Tier avg: $1.2B
8
8th pctile
Loan-to-Deposit Ratio
Current: 104.00% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 104.00% · Tier avg: 83.06%
20
20th pctile
Total Deposits
Current: $544.6M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $679.0M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.10% · Tier avg: 21.05%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
38
38th pctile
Total Loans
Current: $566.3M · Tier avg: $975.5M
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
55
55th pctile
Efficiency Ratio
Current: 60.23% · Tier avg: 62.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
69
69th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%