BlastPoint's Banking Scorecard
Midwest Bank
Community
Specialty: Commercial
MN
FDIC cert 9737
Detroit Lakes, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Midwest Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41% in Community
- + Return on Assets 1.00% above tier
- + Loan-to-Deposit Ratio 22.22% above tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$892.8M
+9.9% YoY
+5.5% QoQ
|
-$498.6M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$792.2M
+17.2% YoY
+5.1% QoQ
|
-$183.2M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$752.5M
+6.6% YoY
+4.0% QoQ
|
-$412.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
2.17%
-6.2% YoY
+0.7% QoQ
|
+1.00% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.19%
+5.7% YoY
+1.4% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
47.54%
+10.9% YoY
+0.5% QoQ
|
-15.09% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.02%
+77.7% YoY
+47.7% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
105.28%
+9.9% YoY
+1.1% QoQ
|
+22.22% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.77%
-4.6% YoY
-0.5% QoQ
|
-3.27% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.02%
+89.5% YoY
-5.7% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.29%
-4.8% YoY
+35.1% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#152 of 371 · Top 41% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.17%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
105.28%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Credit Quality Pressure
risk
#12 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.02%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 105.28% · Tier avg: 83.06%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.16%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
88
88th pctile
Efficiency Ratio
Current: 47.54% · Tier avg: 62.63%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
57
57th pctile
Total Loans
Current: $792.2M · Tier avg: $975.5M
43
43th pctile
Total Deposits
Current: $752.5M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $892.8M · Tier avg: $1.4B
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.77% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
Top Weaknesses
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.77% · Tier avg: 21.05%
42
42th pctile
Total Assets
Current: $892.8M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $752.5M · Tier avg: $1.2B
57
57th pctile
Total Loans
Current: $792.2M · Tier avg: $975.5M
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
88
88th pctile
Efficiency Ratio
Current: 47.54% · Tier avg: 62.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.16%
94
94th pctile
Loan-to-Deposit Ratio
Current: 105.28% · Tier avg: 83.06%