BlastPoint's Banking Scorecard
Midwest Independent BankersBank
Micro
Specialty: Commercial
MO
FDIC cert 25849
Jefferson City, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Midwest Independent BankersBank shows strong momentum with 4 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 22.57% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.55% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.2M
+8.0% YoY
+4.0% QoQ
|
+$141.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$253.7M
+13.1% YoY
+0.8% QoQ
|
+$114.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$267.3M
+17.8% YoY
-0.6% QoQ
|
+$83.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.81%
+39.6% YoY
+1.6% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
3.79%
+11.2% YoY
+0.9% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
59.84%
-12.8% YoY
-0.9% QoQ
|
-7.88% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
94.90%
-4.1% YoY
+1.3% QoQ
|
+20.38% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.97%
-8.3% YoY
+8.4% QoQ
|
+22.57% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.92%
+1.2% YoY
+0.3% QoQ
|
+6.07% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
2.11%
+9.7% YoY
+28.0% QoQ
|
+1.55% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.97%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Non-Interest Income / Assets
Current: 2.11% · Tier avg: 0.56%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.97% · Tier avg: 22.39%
86
86th pctile
Loan-to-Deposit Ratio
Current: 94.90% · Tier avg: 74.53%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
85
85th pctile
Total Loans
Current: $253.7M · Tier avg: $139.2M
82
82th pctile
Total Assets
Current: $359.2M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $267.3M · Tier avg: $183.7M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.92% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
Top Weaknesses
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.92% · Tier avg: 8.85%
75
75th pctile
Total Deposits
Current: $267.3M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $359.2M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $253.7M · Tier avg: $139.2M
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
86
86th pctile
Loan-to-Deposit Ratio
Current: 94.90% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.97% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 2.11% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%