BlastPoint's Banking Scorecard

The Callaway Bank

$100M-$1B Specialty: Commercial MO FDIC cert 12223

Fulton, 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 +6.5% year over year ($429.6M on the books).
Delinquency rate 0.78%.
Return on assets 1.37%.
Efficiency ratio 60.95% vs a 64.48% peer average.
Loan-to-deposit ratio 87.84% 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) →

The Callaway Bank has 3 strengths but faces 3 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

+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 3.53% below tier average
+ Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.1% in tier
- Capital Thin: Bottom 25.4% in tier
- Credit Quality Pressure: Bottom 48.2% in tier

Get updates when The Callaway 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 ?	$511.5M +2.6% YoY -5.2% QoQ	+$125.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$377.4M +1.8% YoY +0.5% QoQ	+$119.1M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$429.6M +6.5% YoY -5.9% QoQ	+$102.9M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	1.37% +23.4% YoY +9.9% QoQ	+0.05%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	4.45% +10.8% YoY +3.3% QoQ	+0.46%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	60.95% -6.4% YoY -1.8% QoQ	-3.53%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	0.78% +51.1% YoY -7.5% QoQ	-0.13%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	87.84% -4.4% YoY +6.8% QoQ	+9.89%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	28.36% -0.6% YoY +4.9% QoQ	+6.33%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	77%
Nonperforming Asset Ratio ?	0.58% +50.0% YoY -1.9% QoQ	-0.09%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	10.12% +5.0% YoY +3.1% QoQ	-5.78%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 12.4% in tier
Non-Interest Income / Assets ?	0.34% +8.9% YoY +116.2% QoQ	-0.23%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	78%

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	28.4% -0.2pp YoY +1.3pp QoQ	+6.2pp	22.1%	20.9%	22.2%	77%
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	12.0% -3.1pp YoY +0.3pp QoQ	+0.4pp	11.6%	12.3%	12.5%	63%
CRE	37.7% -0.2pp YoY -1.7pp QoQ	-1.8pp	39.5%	36.8%	41.4%	48%
1-4 Family	31.7% +3.9pp YoY +2.0pp QoQ	-1.0pp	32.6%	31.9%	31.3%	55%
Consumer	0.9% +0.1pp YoY 0.0pp QoQ	-3.2pp	4.1%	4.1%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	10.1% +0.5pp YoY +0.3pp QoQ	-2.0pp	12.2%	11.6%	12.6%	34%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	107 -1 (-0.9%) YoY +2 (+1.9%) QoQ	+48	58	162	482	89%
Assets per Employee ($)	$4.8M +3.5% YoY -7.0% QoQ	-$2.7M	$7.5M	$8.0M	$8.8M	11%
Branch Count	6 -1 (-14.3%) 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	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	53%
Nonaccrual	0.7% +0.3pp YoY -0.1pp QoQ	-0.3pp	0.9%	0.8%	1.0%	61%
Allowance Coverage	1.50x -35.5% YoY +14.3% QoQ	-22.65x	24.15x	10.47x	20.23x	39%
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.1%	0.3%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	14.6% +1.8pp YoY +1.1pp QoQ	+2.4pp	12.2%	14.3%	11.6%	66%
Cost of Funds (YTD)	1.3% -0.4pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	25%
Net Income ($, YTD)	$3.5M +28.2% YoY — QoQ	+$982K	$2.6M	$11.3M	$40.4M	76%

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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 (3)

Credit Risk Growth

risk

#124 of 936 • Bottom 13.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Capital Thin

risk

#169 of 661 • Bottom 25.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.12%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#607 of 1256 • Bottom 48.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.78%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

594

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#594 of 2643 Top 22.4% in $100M-$1B

598

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.99%

#598 of 2643 Top 22.6% in $100M-$1B

613

Non-Interest-Bearing Deposit Share

funding

Value: 28.36%

Peer Median: 22.03%

#613 of 2643 Top 23.2% in $100M-$1B

614

Total Loans

size

Value: $377.41M

Peer Median: $258.35M

#614 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (1 metrics)

2317

Tier 1 Capital Ratio

capital

Value: 10.12%

Peer Median: 15.91%

#2317 of 2643 Bottom 12.4% in $100M-$1B