BlastPoint's Banking Scorecard
Grand Missouri Bank
Designations: ✓ CDFI-certified
Bolivar, MO
4 branches across MO
Grand Missouri Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Efficiency Ratio 2.79% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.3% in tier
- - Loan-to-Deposit Ratio 22.18% above tier average
- - ROA 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.5M
+9.5% YoY
+3.2% QoQ
|
-$246.6M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.0% in tier |
| Total Loans ? |
$114.4M
+13.5% YoY
+2.4% QoQ
|
-$141.3M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$115.8M
+12.9% YoY
+3.5% QoQ
|
-$212.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.7% in tier |
| Return on Assets ? |
1.00%
+48.8% YoY
+733.9% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.79%
+24.3% YoY
+47.4% QoQ
|
+0.86% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 11.4% in tier |
| Efficiency Ratio ? |
62.49%
-16.6% YoY
-0.8% QoQ
|
-2.79% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
0.24%
+37.0% YoY
-9.3% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
98.82%
+0.5% YoY
-1.0% QoQ
|
+22.18% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.35%
+8.3% YoY
-6.5% QoQ
|
-4.67% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.19%
+41.9% YoY
-10.1% QoQ
|
-0.44% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
14.12%
-8.8% YoY
+1.0% QoQ
|
-1.71% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.08%
+0.7% YoY
-60.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
37% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.