BlastPoint's Banking Scorecard
State Bank of Missouri
Concordia, MO
4 branches across MO
State Bank of Missouri has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Efficiency Ratio 9.33% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
- - Delinquency Rate 0.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.4M
-4.9% YoY
+0.9% QoQ
|
-$246.7M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.9% in tier |
| Total Loans ? |
$81.0M
+3.1% YoY
+1.3% QoQ
|
-$174.8M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.6% in tier |
| Total Deposits ? |
$127.6M
-5.7% YoY
+1.1% QoQ
|
-$200.4M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.5% in tier |
| Return on Assets ? |
1.35%
+25.3% YoY
+11.6% QoQ
|
+0.08% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.73%
+14.0% YoY
+1.6% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
55.95%
-6.2% YoY
-4.7% QoQ
|
-9.33% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
1.72%
-32.6% YoY
+2.6% QoQ
|
+0.84% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
63.45%
+9.3% YoY
+0.1% QoQ
|
-13.19% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
21.10%
+10.0% YoY
+2.5% QoQ
|
-0.92% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.00%
-27.0% YoY
+2.9% QoQ
|
+0.36% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
16.97%
-4.5% YoY
-1.8% QoQ
|
+1.14% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.11%
-2.7% YoY
-75.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
60% |
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Signature Analysis
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Strengths (0)
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Metric Rankings
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