BlastPoint's Banking Scorecard

MidCountry Bank

Community Specialty: Commercial MN FDIC cert 28865

Minneapolis, MN

1484 banks in Community tier nationally 45 in MN

View Community leaderboard (MN) →

MidCountry Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 49% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.0B -8.7% YoY -0.4% QoQ	-$348.8M	$1.4B +2.0% YoY	$508.2M +6.2% YoY	$5.9B +6.5% YoY	52%
Total Loans ?	$702.7M -13.0% YoY -3.2% QoQ	-$272.8M	$975.5M +2.4% YoY	$283.0M +6.2% YoY	$3.1B +8.5% YoY	49%
Total Deposits ?	$842.6M -11.0% YoY -3.0% QoQ	-$322.0M	$1.2B +1.7% YoY	$438.4M +5.3% YoY	$4.7B +6.3% YoY	50%
Return on Assets ?	0.86% +264.0% YoY +7.6% QoQ	-0.31%	1.16% +17.2% YoY	1.11% +14.5% YoY	1.12% +15.6% YoY	29%
Net Interest Margin ?	3.62% +5.3% YoY +0.6% QoQ	-0.05%	3.66% +9.1% YoY	3.81% +8.2% YoY	3.75% +7.1% YoY	48%
Efficiency Ratio ?	64.82% +0.6% YoY -4.1% QoQ	+2.19%	62.63% -5.3% YoY	65.34% -5.0% YoY	65.09% -5.1% YoY	42%
Delinquency Rate ?	1.80% -35.8% YoY -10.5% QoQ	+1.17%	0.63% +18.3% YoY	0.65% +17.8% YoY	0.66% +20.3% YoY	Bottom 12% in tier
Loan-to-Deposit Ratio ?	83.40% -2.3% YoY -0.2% QoQ	+0.34%	83.06% +0.3% YoY	76.97% -0.8% YoY	78.04% +0.7% YoY	54%
Non-Interest-Bearing Deposit Share ?	21.54% +14.6% YoY +9.5% QoQ	+0.50%	21.05% -0.9% YoY	21.89% -2.6% YoY	21.79% -1.3% YoY	57%
Nonperforming Asset Ratio ?	1.21% -40.4% YoY -13.2% QoQ	+0.72%	0.50% +20.3% YoY	0.46% +7.5% YoY	0.48% +20.8% YoY	Bottom 15% in tier
Tier 1 Capital Ratio ?	16.12% +17.0% YoY +1.1% QoQ	+5.87%	10.24% -0.6% YoY	11.33% -0.2% YoY	9.75% -1.9% YoY	83%
Non-Interest Income / Assets ?	0.28% -41.7% YoY +35.3% QoQ	-0.46%	0.74% -1.3% YoY	0.50% +4.9% YoY	0.65% +0.6% YoY	21%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Liquidity Overhang

risk

#131 of 268 · Bottom 49% in Community

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Risk-Based Capital Ratio: 16.12%

(Tier: 10.24%, National: 9.75%)

better than tier avg

Loan-to-Deposit Ratio: 83.40%

(Tier: 83.06%, National: 78.04%)

worse than tier avg

268 of 268 Community banks match · 314 nationally

→ Stable +6 banks QoQ

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Tier 1 Capital Ratio

Current: 16.12% · Tier avg: 10.24%

83th pctile

Non-Interest-Bearing Deposit Share

Current: 21.54% · Tier avg: 21.05%

57th pctile

Loan-to-Deposit Ratio

Current: 83.40% · Tier avg: 83.06%

54th pctile

Total Assets

Current: $1.0B · Tier avg: $1.4B

52th pctile

Total Deposits

Current: $842.6M · Tier avg: $1.2B

50th pctile

Total Loans

Current: $702.7M · Tier avg: $975.5M

49th pctile

Net Interest Margin

Current: 3.62% · Tier avg: 3.66%

48th pctile

Efficiency Ratio

Current: 64.82% · Tier avg: 62.63%

42th pctile

Return on Assets

Current: 0.86% · Tier avg: 1.16%

29th pctile

Non-Interest Income / Assets

Current: 0.28% · Tier avg: 0.74%

21th pctile

Nonperforming Asset Ratio

Current: 1.21% · Tier avg: 0.50%

15th pctile

Delinquency Rate

Current: 1.80% · Tier avg: 0.63%

12th pctile

Top Weaknesses