BlastPoint's Banking Scorecard
MidAmerica National Bank
Community
Specialty: Commercial
IL
FDIC cert 3612
Canton, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
MidAmerica National Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 18% in Community
- - Capital Thin: Bottom 24% in Community
- - Return on Assets 0.73% below tier
- - Delinquency Rate 3.47% above tier
- - Nonperforming Asset Ratio 2.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$640.2M
+1.7% YoY
-3.1% QoQ
|
-$751.3M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$444.2M
+0.4% YoY
-2.3% QoQ
|
-$531.3M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$567.5M
+1.2% YoY
-3.5% QoQ
|
-$597.1M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.44%
-52.9% YoY
-47.6% QoQ
|
-0.73% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.95%
+4.5% YoY
-2.1% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
69.39%
+5.9% YoY
+5.8% QoQ
|
+6.76% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
4.10%
+31.3% YoY
-14.0% QoQ
|
+3.47% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
78.26%
-0.8% YoY
+1.2% QoQ
|
-4.80% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
23.47%
-4.0% YoY
-4.0% QoQ
|
+2.43% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
3.29%
+49.6% YoY
-0.1% QoQ
|
+2.79% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.63%
-4.0% YoY
+37.5% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Flatlined Growth
risk
#45 of 245 · Bottom 18% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.44%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#106 of 432 · Bottom 24% 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
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.44%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.10%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.29%
(Tier avg: 0.50%, National avg: 0.48%)
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
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.26% · Tier avg: 83.06%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Efficiency Ratio
Current: 69.39% · Tier avg: 62.63%
24
24th pctile
Total Deposits
Current: $567.5M · Tier avg: $1.2B
22
22th pctile
Total Loans
Current: $444.2M · Tier avg: $975.5M
20
20th pctile
Total Assets
Current: $640.2M · Tier avg: $1.4B
9
9th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 4.10% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.29% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.29% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.10% · Tier avg: 0.63%
9
9th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.16%
20
20th pctile
Total Assets
Current: $640.2M · Tier avg: $1.4B
22
22th pctile
Total Loans
Current: $444.2M · Tier avg: $975.5M
24
24th pctile
Total Deposits
Current: $567.5M · Tier avg: $1.2B
28
28th pctile
Efficiency Ratio
Current: 69.39% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.26% · Tier avg: 83.06%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%