BlastPoint's Banking Scorecard

Wood & Huston Bank

$1B-$10B Specialty: Commercial MO FDIC cert 1060

Designations: ✓ Community bank

Marshall, MO

12 branches across MO

884 banks in the $1B-$10B peer group nationally 29 in MO

Wood & Huston Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 27.6% in tier
+ Credit Quality Leader: Top 43.2% in tier
+ Efficiency Ratio 11.99% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.08% below tier average

Get updates when Wood & Huston Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.2B +1.9% YoY -5.5% QoQ	-$1.6B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$931.2M +2.7% YoY -2.0% QoQ	-$1.0B	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$1.1B +0.5% YoY -6.5% QoQ	-$1.3B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	2.01% +25.5% YoY +8.0% QoQ	+0.65%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 9.8% in tier
Net Interest Margin ?	3.74% +13.1% YoY +2.8% QoQ	-0.08%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	49.07% -14.2% YoY -8.8% QoQ	-11.99%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.09% -12.4% YoY +3.6% QoQ	-0.80%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 11.0% in tier
Loan-to-Deposit Ratio ?	86.02% +2.2% YoY +4.8% QoQ	+1.82%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	15.17% +5.7% YoY +4.7% QoQ	-6.12%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.16% +100.7% YoY +136.1% QoQ	-0.52%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	13.45% +8.2% YoY +6.7% QoQ	-1.71%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.19% +6.7% YoY -72.5% QoQ	-0.07%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	67%

Get Full Access to Wood & Huston Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#62 of 221 • Top 27.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.01%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#96 of 220 • Top 43.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.01%

Peer Median: 1.37%

#88 of 884 Top 9.8% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.89%

#98 of 880 Top 11.0% in $1B-$10B

175

Efficiency Ratio

profitability

Value: 49.07%

Peer Median: 61.06%

#175 of 884 Top 19.7% in $1B-$10B

196

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#196 of 884 Top 22.1% in $1B-$10B

Top Weaknesses (2 metrics)

728

Total Assets

size

Value: $1.22B

Peer Median: $2.82B

#728 of 884 Bottom 17.8% in $1B-$10B

692

Total Deposits

size

Value: $1.08B

Peer Median: $2.34B

#692 of 884 Bottom 21.8% in $1B-$10B