BlastPoint's Banking Scorecard
Belgrade State Bank
Belgrade, MO
6 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 +7.0% year over year ($495.3M on the books).
- Delinquency rate 0.36%.
- Return on assets 1.58%.
- Efficiency ratio 55.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Belgrade State Bank shows strong momentum with 4 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 9.34% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$548.0M
+8.0% YoY
+1.9% QoQ
|
+$161.4M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$407.8M
+8.9% YoY
+5.6% QoQ
|
+$149.5M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$495.3M
+7.0% YoY
+1.6% QoQ
|
+$168.6M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
1.58%
+0.6% YoY
+6.5% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.30%
+3.0% YoY
+2.0% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
55.14%
-0.6% YoY
-3.3% QoQ
|
-9.34% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
0.36%
-26.6% YoY
-15.5% QoQ
|
-0.56% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
82.33%
+1.7% YoY
+3.9% QoQ
|
+4.38% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
11.36%
+4.3% YoY
+3.3% QoQ
|
-10.67% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.3% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+3.5% YoY
-27.9% QoQ
|
-0.26% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
15.07%
+6.7% YoY
-0.1% QoQ
|
-0.83% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.37%
-1.2% YoY
+94.3% QoQ
|
-0.20% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
81% |
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 |
11.4%
+0.5pp YoY +0.4pp QoQ |
-10.8pp | 22.1% | 20.9% | 22.2% | 13% |
| 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 |
7.6%
-0.3pp YoY -1.1pp QoQ |
-3.9pp | 11.6% | 12.3% | 12.5% | 37% |
| CRE |
36.6%
+1.0pp YoY +1.6pp QoQ |
-3.0pp | 39.5% | 36.8% | 41.4% | 46% |
| 1-4 Family |
42.8%
-0.6pp YoY -0.1pp QoQ |
+10.2pp | 32.6% | 31.9% | 31.3% | 74% |
| Consumer |
7.0%
-0.5pp YoY -0.4pp QoQ |
+2.9pp | 4.1% | 4.1% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
+1.0pp YoY 0.0pp QoQ |
-3.8pp | 18.8% | 18.5% | 19.7% | 49% |
| Leverage Ratio |
10.1%
+0.5pp YoY +0.3pp QoQ |
-2.0pp | 12.2% | 11.6% | 12.6% | 34% |
| Total Capital Ratio |
16.3%
+1.0pp YoY 0.0pp QoQ |
-3.6pp | 19.9% | 19.6% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
86
+2 (+2.4%) YoY +1 (+1.2%) QoQ |
+27 | 58 | 162 | 482 | 81% |
| Assets per Employee ($) |
$6.4M
+5.4% YoY +0.7% QoQ |
-$1.1M | $7.5M | $8.0M | $8.8M | 40% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY |
-0.3pp | 0.3% | 0.3% | 0.4% | 18% |
| Nonaccrual |
0.3%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 42% |
| Allowance Coverage |
3.01x
+35.8% YoY +16.7% QoQ |
-21.14x | 24.15x | 10.47x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.2pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
-1.6pp YoY +0.9pp QoQ |
+6.0pp | 12.2% | 14.3% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.1%
-0.4pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 75% |
| Net Income ($, YTD) |
$4.3M
+10.9% YoY — QoQ |
+$1.7M | $2.6M | $11.3M | $40.4M | 82% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.