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

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 +1.6% year over year ($1.1B on the books).
Delinquency rate 0.16%.
Return on assets 2.23%.
Efficiency ratio 36.19% vs a 59.73% peer average.
Loan-to-deposit ratio 93.08% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (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

+ Return on Assets 0.84% above tier average
+ Efficiency Ratio 23.54% below tier average
+ Non-Interest-Bearing Deposit Share 21.78% above tier average
+ Net Interest Margin 0.26% above tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.7% in tier
- Liquidity Overhang: Bottom 37.8% in tier

Get updates when Cass Commercial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.3B +1.4% YoY -0.1% QoQ	-$1.5B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$1.0B +0.5% YoY +1.3% QoQ	-$924.4M	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	33%
Total Deposits ?	$1.1B +1.6% YoY +0.4% QoQ	-$1.2B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	2.23% +3.5% YoY +1.1% QoQ	+0.84%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 6.1% in tier
Net Interest Margin ?	4.13% +3.6% YoY +2.9% QoQ	+0.26%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	36.19% +0.4% YoY -2.3% QoQ	-23.54%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 4.4% in tier
Delinquency Rate ?	0.16% -51.5% YoY -48.2% QoQ	-0.71%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	93.08% -1.1% YoY +0.9% QoQ	+8.05%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	43.05% +25.4% YoY +18.0% QoQ	+21.78%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 3.4% in tier
Nonperforming Asset Ratio ?	0.12% -51.9% YoY -47.4% QoQ	-0.55%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	17.16% -3.8% YoY -5.2% QoQ	+2.32%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Top 14.2% in tier
Non-Interest Income / Assets ?	0.36% +9.6% YoY +94.8% QoQ	-0.17%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	64%

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	43.1% +8.7pp YoY +6.6pp QoQ	+21.7pp	21.4%	20.9%	22.2%	96%
Brokered Deposits	2.3% -17.8pp YoY -24.5pp QoQ	-7.2pp	9.5%	7.4%	8.5%	29%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	42.3% -1.3pp YoY +0.4pp QoQ	+28.3pp	14.0%	12.3%	12.5%	96%
CRE	n/a	n/a	50.0%	36.8%	41.4%	n/a
1-4 Family	0.2% 0.0pp YoY 0.0pp QoQ	-26.2pp	26.4%	31.9%	31.3%	1%
Consumer	n/a	n/a	4.7%	4.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	17.2% -0.7pp YoY -0.9pp QoQ	+1.6pp	15.6%	18.5%	19.7%	84%
Leverage Ratio	14.1% -0.4pp YoY -0.4pp QoQ	+2.8pp	11.3%	11.6%	12.6%	90%
Total Capital Ratio	18.4% -0.7pp YoY -0.9pp QoQ	+1.7pp	16.7%	19.6%	20.8%	84%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	67 +1 (+1.5%) YoY -1 (-1.5%) QoQ	-247	313	162	482	2%
Assets per Employee ($)	$19.8M -0.1% YoY +1.4% QoQ	+$9.3M	$10.5M	$8.0M	$8.8M	95%
Branch Count	3 0 YoY 0 QoQ	-17	20	10	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.2% -0.1pp QoQ	-0.7pp	0.8%	0.8%	1.0%	17%
Allowance Coverage	8.41x +110.1% YoY +98.0% QoQ	-10.30x	18.71x	10.47x	20.23x	86%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	15.3% +0.2pp YoY +0.1pp QoQ	+2.7pp	12.6%	14.3%	11.6%	75%
Cost of Funds (YTD)	1.3% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.8%	1.7%	14%
Net Income ($, YTD)	$15.2M +3.8% YoY — QoQ	-$4.0M	$19.2M	$11.3M	$40.4M	60%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#36 of 361 • Bottom 9.7% 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: 93.08%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#66 of 172 • Bottom 37.8% 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: 17.16%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 93.08%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 43.05%

Peer Median: 21.27%

#31 of 885 Top 3.4% in $1B-$10B

Efficiency Ratio

profitability

Value: 36.19%

Peer Median: 59.73%

#40 of 885 Top 4.4% in $1B-$10B

Return on Assets

profitability

Value: 2.23%

Peer Median: 1.39%

#55 of 885 Top 6.1% in $1B-$10B

127

Tier 1 Capital Ratio

capital

Value: 17.16%

Peer Median: 14.84%

#127 of 885 Top 14.2% in $1B-$10B

161

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#161 of 885 Top 18.1% in $1B-$10B

163

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.87%

#163 of 882 Top 18.4% in $1B-$10B

Top Weaknesses (2 metrics)

672

Total Assets

size

Value: $1.33B

Peer Median: $2.79B

#672 of 885 Bottom 24.2% in $1B-$10B

671

Total Deposits

size

Value: $1.12B

Peer Median: $2.32B

#671 of 885 Bottom 24.3% in $1B-$10B