BlastPoint's Banking Scorecard

Midwest Bank

Community Specialty: Agricultural IL FDIC cert 3711

Monmouth, IL

1484 banks in Community tier nationally 87 in IL

View Community leaderboard (IL) →

Midwest Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Midwest Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$703.4M +3.9% YoY +0.8% QoQ	-$688.0M	$1.4B +2.0% YoY	$2.3B +4.6% YoY	$5.9B +6.5% YoY	27%
Total Loans ?	$422.0M +5.6% YoY +1.8% QoQ	-$553.5M	$975.5M +2.4% YoY	$1.2B +2.7% YoY	$3.1B +8.5% YoY	18%
Total Deposits ?	$535.2M -0.7% YoY -2.5% QoQ	-$629.4M	$1.2B +1.7% YoY	$1.9B +4.2% YoY	$4.7B +6.3% YoY	19%
Return on Assets ?	0.79% +28.9% YoY -2.1% QoQ	-0.38%	1.16% +17.2% YoY	1.03% +18.8% YoY	1.12% +15.6% YoY	24%
Net Interest Margin ?	3.10% +11.7% YoY +2.1% QoQ	-0.56%	3.66% +9.1% YoY	3.52% +8.1% YoY	3.75% +7.1% YoY	21%
Efficiency Ratio ?	64.59% -6.7% YoY +2.4% QoQ	+1.95%	62.63% -5.3% YoY	66.24% -5.4% YoY	65.09% -5.1% YoY	43%
Delinquency Rate ?	0.21% -14.1% YoY -14.8% QoQ	-0.41%	0.63% +18.3% YoY	0.79% +21.0% YoY	0.66% +20.3% YoY	68%
Loan-to-Deposit Ratio ?	78.85% +6.3% YoY +4.5% QoQ	-4.21%	83.06% +0.3% YoY	73.97% +1.0% YoY	78.04% +0.7% YoY	36%
Non-Interest-Bearing Deposit Share ?	10.66% -1.4% YoY +16.4% QoQ	-10.39%	21.05% -0.9% YoY	19.72% -1.0% YoY	21.79% -1.3% YoY	Bottom 12% in tier
Nonperforming Asset Ratio ?	0.13% -12.7% YoY -13.9% QoQ	-0.37%	0.50% +20.3% YoY	0.53% +18.6% YoY	0.48% +20.8% YoY	74%
Tier 1 Capital Ratio ?	13.60% -8.2% YoY -1.2% QoQ	+3.36%	10.24% -0.6% YoY	10.12% -4.0% YoY	9.75% -1.9% YoY	64%
Non-Interest Income / Assets ?	0.48% +11.6% YoY +37.4% QoQ	-0.26%	0.74% -1.3% YoY	0.66% +2.5% YoY	0.65% +0.6% YoY	45%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Nonperforming Asset Ratio

Current: 0.13% · Tier avg: 0.50%

74th pctile

Delinquency Rate

Current: 0.21% · Tier avg: 0.63%

68th pctile

Tier 1 Capital Ratio

Current: 13.60% · Tier avg: 10.24%

64th pctile

Non-Interest Income / Assets

Current: 0.48% · Tier avg: 0.74%

45th pctile

Efficiency Ratio

Current: 64.59% · Tier avg: 62.63%

43th pctile

Loan-to-Deposit Ratio

Current: 78.85% · Tier avg: 83.06%

36th pctile

Total Assets

Current: $703.4M · Tier avg: $1.4B

27th pctile

Return on Assets

Current: 0.79% · Tier avg: 1.16%

24th pctile

Net Interest Margin

Current: 3.10% · Tier avg: 3.66%

21th pctile

Total Deposits

Current: $535.2M · Tier avg: $1.2B

19th pctile

Total Loans

Current: $422.0M · Tier avg: $975.5M

18th pctile

Non-Interest-Bearing Deposit Share

Current: 10.66% · Tier avg: 21.05%

12th pctile

Top Weaknesses