BlastPoint's Banking Scorecard
Midstates Bank, National Association
Community
Specialty: Agricultural
IA
FDIC cert 4465
Council Bluffs, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Midstates Bank, National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 27% in Community
- - Flatlined Growth: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$631.1M
-0.6% YoY
+0.9% QoQ
|
-$760.4M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$414.2M
+3.9% YoY
+3.4% QoQ
|
-$561.2M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$542.9M
-2.9% YoY
+2.9% QoQ
|
-$621.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.21%
+60.5% YoY
+10.8% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.72%
+20.2% YoY
+6.6% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
56.73%
-16.8% YoY
-7.1% QoQ
|
-5.90% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.30%
-62.4% YoY
-60.8% QoQ
|
-0.33% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
76.29%
+7.1% YoY
+0.5% QoQ
|
-6.77% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.53%
-3.6% YoY
+8.6% QoQ
|
+1.49% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.20%
-60.7% YoY
-59.9% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
16.56%
+6.4% YoY
+0.7% QoQ
|
+6.31% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.41%
+24.2% YoY
+45.3% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Deposit Outflow
decline
#68 of 248 · Bottom 27% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#108 of 245 · Bottom 44% 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:
1.21%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 10.24%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.29% · Tier avg: 83.06%
68
68th pctile
Efficiency Ratio
Current: 56.73% · Tier avg: 62.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.53% · Tier avg: 21.05%
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
37
37th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
20
20th pctile
Total Deposits
Current: $542.9M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $631.1M · Tier avg: $1.4B
16
16th pctile
Total Loans
Current: $414.2M · Tier avg: $975.5M
Top Weaknesses
16
16th pctile
Total Loans
Current: $414.2M · Tier avg: $975.5M
18
18th pctile
Total Assets
Current: $631.1M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $542.9M · Tier avg: $1.2B
37
37th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
57
57th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.53% · Tier avg: 21.05%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
68
68th pctile
Efficiency Ratio
Current: 56.73% · Tier avg: 62.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.29% · Tier avg: 83.06%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.56% · Tier avg: 10.24%