BlastPoint's Banking Scorecard
Midwest Heritage Bank, FSB
Micro
Specialty: Other
IA
FDIC cert 4432
Designations: ✓ Community bank
West Des Moines, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Midwest Heritage Bank, FSB has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 3.60% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.91% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$491.6M
-2.0% YoY
+2.8% QoQ
|
+$274.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$392.1M
+4.4% YoY
+1.6% QoQ
|
+$252.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$358.3M
+0.6% YoY
+4.1% QoQ
|
+$174.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.90%
+14.3% YoY
-5.6% QoQ
|
+0.82% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.84%
+10.1% YoY
-0.0% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
66.13%
-5.4% YoY
+2.5% QoQ
|
-1.59% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
1.59%
+25.2% QoQ
|
+0.95% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
109.44%
+3.8% YoY
-2.4% QoQ
|
+34.91% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.91%
+1.1% YoY
+1.5% QoQ
|
-1.48% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.27%
+23.8% QoQ
|
+0.82% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
16.54%
+12.1% YoY
+0.5% QoQ
|
+7.69% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
4.16%
+2.5% YoY
+25.0% QoQ
|
+3.60% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.16%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
109.44%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Loans
Current: $392.1M · Tier avg: $139.2M
99
99th pctile
Total Assets
Current: $491.6M · Tier avg: $217.5M
99
99th pctile
Non-Interest Income / Assets
Current: 4.16% · Tier avg: 0.56%
91
91th pctile
Total Deposits
Current: $358.3M · Tier avg: $183.7M
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.54% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
50
50th pctile
Efficiency Ratio
Current: 66.13% · Tier avg: 67.73%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.91% · Tier avg: 22.39%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.44% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 109.44% · Tier avg: 74.53%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.91% · Tier avg: 22.39%
50
50th pctile
Efficiency Ratio
Current: 66.13% · Tier avg: 67.73%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.54% · Tier avg: 8.85%
88
88th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.08%
91
91th pctile
Total Deposits
Current: $358.3M · Tier avg: $183.7M
99
99th pctile
Non-Interest Income / Assets
Current: 4.16% · Tier avg: 0.56%
99
99th pctile
Total Assets
Current: $491.6M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $392.1M · Tier avg: $139.2M