BlastPoint's Banking Scorecard
Wood & Huston Bank
Designations: ✓ Community bank
Marshall, MO
12 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits +1.4% year over year ($1.1B on the books).
- Delinquency rate 0.14%.
- Return on assets 2.08%.
- Efficiency ratio 49.34% vs a 59.73% peer average.
- Loan-to-deposit ratio 90.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wood & Huston Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 36.9% in tier
- + Credit Quality Leader: Top 46.6% in tier
- + Efficiency Ratio 10.39% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.5% YoY
+1.3% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$983.3M
+6.2% YoY
+5.6% QoQ
|
-$979.9M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$1.1B
+1.4% YoY
-0.1% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
2.08%
+14.8% YoY
+3.6% QoQ
|
+0.69% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 9.4% in tier |
| Net Interest Margin ? |
3.86%
+11.5% YoY
+3.2% QoQ
|
-0.01% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
49.34%
-8.5% YoY
+0.6% QoQ
|
-10.39% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.14%
-33.1% YoY
+55.4% QoQ
|
-0.72% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
90.89%
+4.8% YoY
+5.7% QoQ
|
+5.85% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
15.41%
+3.3% YoY
+1.6% QoQ
|
-5.86% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.19%
+18.1% YoY
+22.4% QoQ
|
-0.48% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.34%
+4.8% YoY
-0.9% QoQ
|
-1.51% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.37%
+1.7% YoY
+96.8% QoQ
|
-0.16% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.4%
+0.5pp YoY +0.2pp QoQ |
-6.0pp | 21.4% | 20.9% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
-0.2pp YoY +0.2pp QoQ |
+1.3pp | 14.0% | 12.3% | 12.5% | 69% |
| CRE |
39.8%
-0.3pp YoY +1.2pp QoQ |
-10.2pp | 50.0% | 36.8% | 41.4% | 24% |
| 1-4 Family |
21.7%
+1.1pp YoY -0.2pp QoQ |
-4.8pp | 26.4% | 31.9% | 31.3% | 45% |
| Consumer |
2.3%
+0.4pp YoY 0.0pp QoQ |
-2.4pp | 4.7% | 4.1% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.3%
+0.6pp YoY -0.1pp QoQ |
-2.3pp | 15.6% | 18.5% | 19.7% | 47% |
| Leverage Ratio |
11.6%
+0.8pp YoY +0.5pp QoQ |
+0.2pp | 11.3% | 11.6% | 12.6% | 70% |
| Total Capital Ratio |
14.6%
+0.6pp YoY -0.1pp QoQ |
-2.1pp | 16.7% | 19.6% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
180
-6 (-3.2%) YoY -8 (-4.3%) QoQ |
-134 | 313 | 162 | 482 | 34% |
| Assets per Employee ($) |
$6.9M
+7.0% YoY +5.8% QoQ |
-$3.6M | $10.5M | $8.0M | $8.8M | 22% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 10 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 3% |
| Nonaccrual |
0.1%
-0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.8% | 0.8% | 1.0% | 15% |
| Allowance Coverage |
9.39x
+47.3% YoY -37.6% QoQ |
-9.32x | 18.71x | 10.47x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.1%
+0.2pp YoY +0.1pp QoQ |
+7.5pp | 12.6% | 14.3% | 11.6% | 90% |
| Cost of Funds (YTD) |
2.1%
-0.5pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$13.0M
+17.7% YoY — QoQ |
-$6.2M | $19.2M | $11.3M | $40.4M | 52% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.