BlastPoint

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Preferred Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 10628

Rothville, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO
View $100M-$1B leaderboard (MO) →

Preferred Bank faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.37% below tier average
  • - Efficiency Ratio 1.09% above tier average
  • - Delinquency Rate 0.20% above tier average
Get updates when Preferred 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 ? $138.1M
+0.3% YoY +5.6% QoQ
-$248.0M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Bottom 10.5% in tier
Total Loans ? $60.7M
+12.3% YoY -0.3% QoQ
-$195.0M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
Bottom 5.1% in tier
Total Deposits ? $128.9M
-0.4% YoY +7.6% QoQ
-$199.1M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
15%
Return on Assets ? 1.24%
+31.7% YoY +11.1% QoQ
-0.03% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
52%
Net Interest Margin ? 3.56%
+8.2% YoY +0.7% QoQ
-0.37% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
33%
Efficiency Ratio ? 66.37%
-3.1% YoY -2.6% QoQ
+1.09% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
41%
Delinquency Rate ? 1.08%
+307.4% YoY +8.2% QoQ
+0.20% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
26%
Loan-to-Deposit Ratio ? 47.12%
+12.8% YoY -7.3% QoQ
-29.51% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
Top 7.5% in tier
Non-Interest-Bearing Deposit Share ? 32.90%
-3.4% YoY +0.9% QoQ
+10.88% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
Top 12.8% in tier
Nonperforming Asset Ratio ? 0.48%
+356.4% YoY +2.1% QoQ
-0.16% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
39%
Tier 1 Capital Ratio ? 18.09%
-13.8% YoY +0.6% QoQ
+2.26% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.08%
-2.8% YoY -80.2% QoQ
-0.20% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
40%

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 (0)

No matched strength signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

200
Loan-to-Deposit Ratio
liquidity
Value: 47.12%
Peer Median: 76.64%
#200 of 2664 Top 7.5% in $100M-$1B
341
Non-Interest-Bearing Deposit Share
funding
Value: 32.90%
Peer Median: 22.02%
#341 of 2664 Top 12.8% in $100M-$1B
499
Tier 1 Capital Ratio
capital
Value: 18.09%
Peer Median: 15.83%
#499 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (3 metrics)

2529
Total Loans
size
Value: $60.74M
Peer Median: $255.72M
#2529 of 2664 Bottom 5.1% in $100M-$1B
2384
Total Assets
size
Value: $138.12M
Peer Median: $386.08M
#2384 of 2664 Bottom 10.5% in $100M-$1B
2264
Total Deposits
size
Value: $128.90M
Peer Median: $327.97M
#2264 of 2664 Bottom 15.1% in $100M-$1B
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