BlastPoint's Banking Scorecard

Cass Commercial Bank

$1B-$10B Specialty: Commercial MO FDIC cert 1068

Designations: ✓ Community bank

Des Peres, MO

3 branches across MO

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

Cass Commercial Bank has 5 strengths but faces 2 concerns

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 38.0% in tier
+ Efficiency Ratio 24.03% below tier average
+ Non-Interest-Bearing Deposit Share 15.20% above tier average
+ Net Interest Margin 0.20% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.8% in tier
- Liquidity Overhang: Bottom 32.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.3B -1.0% YoY -7.7% QoQ	-$1.5B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$1.0B -3.1% YoY +2.5% QoQ	-$939.2M	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$1.1B -2.2% YoY -9.2% QoQ	-$1.2B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	2.20% +9.6% YoY +2.3% QoQ	+0.84%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 6.4% in tier
Net Interest Margin ?	4.01% +0.6% YoY -0.0% QoQ	+0.20%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	37.03% -3.3% YoY -0.4% QoQ	-24.03%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 5.4% in tier
Delinquency Rate ?	0.31% -56.2% QoQ	-0.58%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	92.24% -1.0% YoY +12.9% QoQ	+8.03%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	36.49% +10.9% YoY -13.4% QoQ	+15.20%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 7.1% in tier
Nonperforming Asset Ratio ?	0.24% -51.4% QoQ	-0.44%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	18.11% +8.4% YoY -1.6% QoQ	+2.95%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 11.1% in tier
Non-Interest Income / Assets ?	0.18% +20.2% YoY -69.3% QoQ	-0.07%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (1)

Profitability Leader

growth

#85 of 221 • Top 38.0% in tier

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

Why this signature

Return on Assets: 2.20%

(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

Concerns (2)

Liquidity Strain

risk

#7 of 334 • Bottom 1.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.24%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ

Liquidity Overhang

risk

#57 of 174 • Bottom 32.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.11%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.24%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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)

Efficiency Ratio

profitability

Value: 37.03%

Peer Median: 61.06%

#49 of 884 Top 5.4% in $1B-$10B

Return on Assets

profitability

Value: 2.20%

Peer Median: 1.37%

#58 of 884 Top 6.4% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 36.49%

Peer Median: 21.29%

#64 of 884 Top 7.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.11%

Peer Median: 15.16%

#99 of 884 Top 11.1% in $1B-$10B

Top Weaknesses (2 metrics)

673

Total Deposits

size

Value: $1.11B

Peer Median: $2.34B

#673 of 884 Bottom 24.0% in $1B-$10B

673

Total Assets

size

Value: $1.33B

Peer Median: $2.82B

#673 of 884 Bottom 24.0% in $1B-$10B