BlastPoint's Banking Scorecard
First Midwest Bank of the Ozarks
Community
Specialty: Commercial
MO
FDIC cert 19212
Poplar Bluff, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First Midwest Bank of the Ozarks 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 3% in Community
- - Capital Thin: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$739.7M
+3.4% YoY
+0.3% QoQ
|
-$651.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$598.2M
-2.1% YoY
-1.8% QoQ
|
-$377.2M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$655.7M
+4.7% YoY
+0.8% QoQ
|
-$508.9M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.75%
+5.1% YoY
+0.5% QoQ
|
+0.58% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.36%
+8.4% YoY
+1.0% QoQ
|
+0.70% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
59.90%
+0.3% YoY
+0.6% QoQ
|
-2.73% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.44%
-51.8% YoY
-55.9% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
91.23%
-6.5% YoY
-2.6% QoQ
|
+8.17% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
15.30%
-10.0% YoY
-2.8% QoQ
|
-5.75% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.41%
-56.2% YoY
-53.3% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
45% |
| 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 ? |
0.55%
-9.1% YoY
+42.0% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#17 of 513 · Bottom 3% 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:
91.23%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#155 of 432 · Bottom 36% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
85
85th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.16%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
57
57th pctile
Efficiency Ratio
Current: 59.90% · Tier avg: 62.63%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
41
41th pctile
Total Loans
Current: $598.2M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $655.7M · Tier avg: $1.2B
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.23% · Tier avg: 83.06%
31
31th pctile
Total Assets
Current: $739.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.30% · Tier avg: 21.05%
Top Weaknesses
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.30% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Assets
Current: $739.7M · Tier avg: $1.4B
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.23% · Tier avg: 83.06%
33
33th pctile
Total Deposits
Current: $655.7M · Tier avg: $1.2B
41
41th pctile
Total Loans
Current: $598.2M · Tier avg: $975.5M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
54
54th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
57
57th pctile
Efficiency Ratio
Current: 59.90% · Tier avg: 62.63%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
85
85th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.16%