BlastPoint's Banking Scorecard
Midwest Regional Bank
Community
Specialty: Commercial
MO
FDIC cert 8889
Clayton, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Midwest Regional Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1% in Community
- - Capital Constraint: Bottom 9% in Community
- - Deposit Outflow: Bottom 16% in Community
- - Return on Assets 0.95% below tier
- - Delinquency Rate 5.11% above tier
- - Non-Interest-Bearing Deposit Share 12.51% below tier
- - Nonperforming Asset Ratio 4.08% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-4.9% YoY
-3.8% QoQ
|
-$341.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$837.9M
-6.4% YoY
-4.7% QoQ
|
-$137.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$909.0M
-7.2% YoY
-4.3% QoQ
|
-$255.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.21%
-76.1% YoY
-26.7% QoQ
|
-0.95% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.50%
+12.2% YoY
+1.9% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
70.86%
+12.2% YoY
+0.8% QoQ
|
+8.23% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
5.74%
+169.3% YoY
+12.6% QoQ
|
+5.11% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
92.18%
+0.9% YoY
-0.4% QoQ
|
+9.12% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
8.53%
-0.4% YoY
-6.6% QoQ
|
-12.51% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
4.58%
+159.6% YoY
+9.9% QoQ
|
+4.08% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.58%
+12.6% YoY
+3.6% QoQ
|
+1.33% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.83%
-5.7% YoY
+44.6% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Liquidity Strain
risk
#2 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.18%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#5 of 47 · Bottom 9% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
92.18%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.58%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Deposit Outflow
decline
#41 of 248 · Bottom 16% 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 improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.21%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.74%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.53%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.58%
(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
80
80th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
60
60th pctile
Total Loans
Current: $837.9M · Tier avg: $975.5M
54
54th pctile
Total Deposits
Current: $909.0M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.58% · Tier avg: 10.24%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.18% · Tier avg: 83.06%
25
25th pctile
Efficiency Ratio
Current: 70.86% · Tier avg: 62.63%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.53% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 5.74% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.58% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.58% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.74% · Tier avg: 0.63%
5
5th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.16%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.53% · Tier avg: 21.05%
25
25th pctile
Efficiency Ratio
Current: 70.86% · Tier avg: 62.63%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.18% · Tier avg: 83.06%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.58% · Tier avg: 10.24%
53
53th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $909.0M · Tier avg: $1.2B
60
60th pctile
Total Loans
Current: $837.9M · Tier avg: $975.5M
80
80th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%