BlastPoint's Banking Scorecard

County Bank

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

Brunswick, MO

2 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 +6.0% year over year ($120.6M on the books).
Delinquency rate 0.00%.
Return on assets 2.06%.
Efficiency ratio 58.45% vs a 64.48% peer average.
Loan-to-deposit ratio 86.73% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

County Bank shows strong momentum with 6 strengths and 8.0% 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

+ Profitability Leader: Top 25.7% in tier
+ Credit Quality Leader: Top 28.7% in tier
+ Revenue Diversifier: Top 47.5% in tier
+ Deposit Franchise: Top 62.2% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 6.03% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$133.7M +8.0% YoY -0.8% QoQ	-$252.9M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 9.0% in tier
Total Loans ?	$104.6M +24.9% YoY +6.0% QoQ	-$153.7M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$120.6M +6.0% YoY -2.5% QoQ	-$206.1M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 12.1% in tier
Return on Assets ?	2.06% +26.2% YoY +3.3% QoQ	+0.74%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 12.0% in tier
Net Interest Margin ?	4.74% +3.4% YoY +2.2% QoQ	+0.76%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 13.1% in tier
Efficiency Ratio ?	58.45% -11.9% YoY -0.9% QoQ	-6.03%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	62%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	86.73% +17.8% YoY +8.7% QoQ	+8.77%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	34.16% -0.6% YoY +3.2% QoQ	+12.13%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 10.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.49% -10.4% YoY -2.2% QoQ	-3.42%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.33% +0.9% YoY +109.2% QoQ	-0.24%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	77%

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	34.2% -0.2pp YoY +1.1pp QoQ	+12.0pp	22.1%	20.9%	22.2%	89%
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	10.7% -2.2pp YoY +0.4pp QoQ	-0.9pp	11.6%	12.3%	12.5%	56%
CRE	n/a	n/a	39.5%	36.8%	41.4%	n/a
1-4 Family	37.7% +2.0pp YoY -0.6pp QoQ	+5.1pp	32.6%	31.9%	31.3%	66%
Consumer	4.7% -0.4pp YoY -0.2pp QoQ	+0.6pp	4.1%	4.1%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.5% -1.4pp YoY -0.3pp QoQ	-6.3pp	18.8%	18.5%	19.7%	22%
Leverage Ratio	8.3% 0.0pp YoY +0.3pp QoQ	-3.9pp	12.2%	11.6%	12.6%	4%
Total Capital Ratio	13.7% -1.5pp YoY -0.3pp QoQ	-6.2pp	19.9%	19.6%	20.8%	24%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	20 +1 (+5.3%) YoY -1 (-4.8%) QoQ	-39	58	162	482	11%
Assets per Employee ($)	$6.7M +2.6% YoY +4.2% QoQ	-$836K	$7.5M	$8.0M	$8.8M	46%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	10.47x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	25.1% +4.0pp YoY +0.4pp QoQ	+12.9pp	12.2%	14.3%	11.6%	96%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.8%	1.7%	19%
Net Income ($, YTD)	$1.4M +36.2% YoY — QoQ	-$1.2M	$2.6M	$11.3M	$40.4M	38%

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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 (4)

Profitability Leader

growth

#171 of 661 • Top 25.7% in tier

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

Why this signature

Return on Assets: 2.06%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#190 of 659 • Top 28.7% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#315 of 661 • Top 47.5% 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: 0.33%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.06%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#174 of 278 • Top 62.2% 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: 34.16%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.74%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

281

Non-Interest-Bearing Deposit Share

funding

Value: 34.16%

Peer Median: 22.03%

#281 of 2643 Top 10.6% in $100M-$1B

317

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.32%

#317 of 2643 Top 12.0% in $100M-$1B

346

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.99%

#346 of 2643 Top 13.1% in $100M-$1B

622

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#622 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2406

Total Assets

size

Value: $133.65M

Peer Median: $386.57M

#2406 of 2643 Bottom 9.0% in $100M-$1B

2323

Total Deposits

size

Value: $120.63M

Peer Median: $326.73M

#2323 of 2643 Bottom 12.1% in $100M-$1B

2108

Total Loans

size

Value: $104.61M

Peer Median: $258.35M

#2108 of 2643 Bottom 20.3% in $100M-$1B