BlastPoint's Banking Scorecard
State Bank of Missouri
Concordia, MO
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits -6.4% year over year ($122.1M on the books).
- Delinquency rate 1.82%.
- Return on assets 1.32%.
- Efficiency ratio 57.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.11% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Missouri has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.26% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 47.7% in tier
- - Net Interest Margin 0.15% below tier average
- - Delinquency Rate 0.90% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.3M
-5.5% YoY
-3.7% QoQ
|
-$252.3M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.3% in tier |
| Total Loans ? |
$82.0M
+3.9% YoY
+1.2% QoQ
|
-$176.4M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.5% in tier |
| Total Deposits ? |
$122.1M
-6.4% YoY
-4.3% QoQ
|
-$204.6M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.8% in tier |
| Return on Assets ? |
1.32%
+15.1% YoY
-1.9% QoQ
|
+0.00% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.83%
+11.8% YoY
+2.9% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
57.22%
-2.8% YoY
+2.3% QoQ
|
-7.26% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
1.82%
-31.0% YoY
+5.4% QoQ
|
+0.90% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.4% in tier |
| Loan-to-Deposit Ratio ? |
67.11%
+10.9% YoY
+5.8% QoQ
|
-10.84% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
22.19%
+11.2% YoY
+5.2% QoQ
|
+0.16% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.11%
-24.1% YoY
+10.7% QoQ
|
+0.44% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
16.94%
-4.1% YoY
-0.1% QoQ
|
+1.03% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.25%
+2.4% YoY
+113.4% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
22.2%
+2.2pp YoY +1.1pp QoQ |
0.0pp | 22.1% | 20.9% | 22.2% | 55% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
4.3%
+0.2pp YoY +0.5pp QoQ |
-7.3pp | 11.6% | 12.3% | 12.5% | 16% |
| CRE |
27.1%
+0.8pp YoY +0.3pp QoQ |
-12.4pp | 39.5% | 36.8% | 41.4% | 30% |
| 1-4 Family |
43.2%
-2.7pp YoY -0.9pp QoQ |
+10.5pp | 32.6% | 31.9% | 31.3% | 75% |
| Consumer |
2.6%
-0.4pp YoY -0.2pp QoQ |
-1.5pp | 4.1% | 4.1% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.9%
-0.7pp YoY 0.0pp QoQ |
-1.9pp | 18.8% | 18.5% | 19.7% | 63% |
| Leverage Ratio |
8.9%
+0.3pp YoY +0.1pp QoQ |
-3.2pp | 12.2% | 11.6% | 12.6% | 11% |
| Total Capital Ratio |
18.2%
-0.7pp YoY 0.0pp QoQ |
-1.7pp | 19.9% | 19.6% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-1 (-4.2%) YoY +1 (+4.5%) QoQ |
-36 | 58 | 162 | 482 | 15% |
| Assets per Employee ($) |
$5.8M
-1.4% YoY -7.9% QoQ |
-$1.7M | $7.5M | $8.0M | $8.8M | 30% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.8%
-0.8pp YoY +0.1pp QoQ |
+0.9pp | 0.9% | 0.8% | 1.0% | 85% |
| Allowance Coverage |
0.62x
+54.0% YoY -5.9% QoQ |
-23.53x | 24.15x | 10.47x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.3% | 0.2% | 41% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.5%
+0.6pp YoY -0.6pp QoQ |
+4.3pp | 12.2% | 14.3% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 29% |
| Net Income ($, YTD) |
$906,000
+10.8% YoY — QoQ |
-$1.6M | $2.6M | $11.3M | $40.4M | 24% |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.