BlastPoint's Banking Scorecard
Mid-Central National Bank
Micro
Specialty: Consumer
MN
FDIC cert 30943
Designations: ✓ Community bank
Wadena, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Mid-Central National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.04% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.9M
-5.9% YoY
-1.1% QoQ
|
-$101.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$89.0M
+9.8% YoY
+2.5% QoQ
|
-$50.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$94.0M
-4.9% YoY
-1.7% QoQ
|
-$89.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.76%
+17.8% YoY
+9.2% QoQ
|
-0.33% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
4.98%
+9.8% YoY
+1.7% QoQ
|
+1.12% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
76.75%
-3.7% YoY
-1.0% QoQ
|
+9.02% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.21%
+142.4% YoY
+9.1% QoQ
|
+0.57% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
94.74%
+15.5% YoY
+4.3% QoQ
|
+20.21% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.93%
+2.1% YoY
+13.7% QoQ
|
-10.47% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.93%
+183.0% YoY
+13.2% QoQ
|
+0.48% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
23.89%
-8.0% YoY
-1.8% QoQ
|
+15.04% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.62%
+5.3% YoY
+33.3% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.89%
(Tier avg: 8.85%, National avg: 9.75%)
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
92
92th pctile
Tier 1 Capital Ratio
Current: 23.89% · Tier avg: 8.85%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
38
38th pctile
Total Loans
Current: $89.0M · Tier avg: $139.2M
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
27
27th pctile
Total Assets
Current: $115.9M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $94.0M · Tier avg: $183.7M
25
25th pctile
Efficiency Ratio
Current: 76.75% · Tier avg: 67.73%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.93% · Tier avg: 22.39%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.74% · Tier avg: 74.53%
Top Weaknesses
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.74% · Tier avg: 74.53%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.93% · Tier avg: 22.39%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
25
25th pctile
Efficiency Ratio
Current: 76.75% · Tier avg: 67.73%
26
26th pctile
Total Deposits
Current: $94.0M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $115.9M · Tier avg: $217.5M
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
38
38th pctile
Total Loans
Current: $89.0M · Tier avg: $139.2M
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.89% · Tier avg: 8.85%