BlastPoint

BlastPoint's Banking Scorecard

County Bank

$100M-$1B Specialty: Other MO FDIC cert 12220

Brunswick, MO

2 branches across MO

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

County Bank shows strong momentum with 6 strengths and 7.5% YoY asset growth

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

  • + Credit Quality Leader: Top 30.4% in tier
  • + Profitability Leader: Top 38.1% in tier
  • + Revenue Diversifier: Top 49.1% in tier
  • + Deposit Franchise: Top 72.1% in tier
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Efficiency Ratio 6.31% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when County 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 ? $134.7M
+7.5% YoY +0.8% QoQ
-$251.4M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Bottom 9.6% in tier
Total Loans ? $98.7M
+17.6% YoY +2.0% QoQ
-$157.0M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
19%
Total Deposits ? $123.7M
+7.1% YoY +7.4% QoQ
-$204.3M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
Bottom 12.9% in tier
Return on Assets ? 1.99%
+23.0% YoY +5.5% QoQ
+0.73% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
Top 12.6% in tier
Net Interest Margin ? 4.64%
+4.3% YoY +0.7% QoQ
+0.71% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
Top 14.4% in tier
Efficiency Ratio ? 58.98%
-10.7% YoY -4.4% QoQ
-6.31% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
63%
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 79.81%
+9.8% YoY -5.0% QoQ
+3.17% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
47%
Non-Interest-Bearing Deposit Share ? 33.09%
-2.3% YoY -1.3% QoQ
+11.07% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
Top 12.3% in tier
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.77%
-7.9% YoY -1.4% QoQ
-3.06% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.16%
-6.1% YoY -75.9% QoQ
-0.12% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
76%

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 (4)

Credit Quality Leader

growth
#203 of 664 • Top 30.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth
#255 of 666 • Top 38.1% in tier

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

Why this signature
Return on Assets: 1.99%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth
#328 of 666 • Top 49.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.16%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 1.99%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Deposit Franchise

growth
#197 of 272 • Top 72.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.09%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.64%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank improving

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 (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
330
Non-Interest-Bearing Deposit Share
funding
Value: 33.09%
Peer Median: 22.02%
#330 of 2664 Top 12.3% in $100M-$1B
337
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.27%
#337 of 2664 Top 12.6% in $100M-$1B
385
Net Interest Margin
profitability
Value: 4.64%
Peer Median: 3.93%
#385 of 2664 Top 14.4% in $100M-$1B
652
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#652 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2410
Total Assets
size
Value: $134.68M
Peer Median: $386.08M
#2410 of 2664 Bottom 9.6% in $100M-$1B
2321
Total Deposits
size
Value: $123.71M
Peer Median: $327.97M
#2321 of 2664 Bottom 12.9% in $100M-$1B
2152
Total Loans
size
Value: $98.73M
Peer Median: $255.72M
#2152 of 2664 Bottom 19.3% in $100M-$1B
Powered by BlastPoint © 2026