BlastPoint's Banking Scorecard

FMB Bank

under $100M Specialty: Other MO FDIC cert 12225

Designations: ✓ Community bank

Wright City, MO

537 banks in the under $100M peer group nationally 16 in MO

FMB Bank has 2 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

+ Non-Interest-Bearing Deposit Share 50.83% above tier average
+ Delinquency Rate 1.35% below tier average

Key Concerns

Areas that may need attention

- ROA 0.62% below tier average
- Net Interest Margin 0.37% below tier average
- Efficiency Ratio 5.05% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$53.2M +6.0% YoY +30.0% QoQ	-$9.1M	$62.3M -0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	35%
Total Loans ?	$13.5M -4.3% YoY +2.9% QoQ	-$20.8M	$34.3M -1.5% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	16%
Total Deposits ?	$49.5M +5.1% YoY +33.0% QoQ	-$2.3M	$51.8M -0.6% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	44%
Return on Assets ?	0.24% +174.5% YoY -53.8% QoQ	-0.62%	0.86% -3.6% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	20%
Net Interest Margin ?	3.50% +7.6% YoY -2.8% QoQ	-0.37%	3.87% +2.7% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	92.68% -5.2% YoY -1.2% QoQ	+5.05%	87.63% +2.3% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	17%
Delinquency Rate ?	0.01% -82.6% YoY -35.2% QoQ	-1.35%	1.36% +33.7% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	27.28% -9.0% YoY -22.6% QoQ	-36.83%	64.11% -0.9% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	Top 7.4% in tier
Non-Interest-Bearing Deposit Share ?	74.62% +186.2% YoY +123.1% QoQ	+50.83%	23.79% +0.5% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	Top 1.1% in tier
Nonperforming Asset Ratio ?	0.00% -84.3% YoY -48.7% QoQ	-0.77%	0.77% +28.7% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	71%
Tier 1 Capital Ratio ?	15.41% +14.2% YoY +3.4% QoQ	-11.36%	26.77% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.14% -15.1% YoY -83.6% QoQ	-0.53%	0.67% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	81%

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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 (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 537 peers in under $100M

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 74.62%

Peer Median: 23.79%

#7 of 537 Top 1.1% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 27.28%

Peer Median: 64.11%

#41 of 537 Top 7.4% in under $100M

105

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#105 of 537 Top 19.4% in under $100M

Top Weaknesses (3 metrics)

453

Total Loans

size

Value: $13.52M

Peer Median: $34.29M

#453 of 537 Bottom 15.8% in under $100M

445

Efficiency Ratio

profitability

Value: 92.68%

Peer Median: 87.63%

#445 of 537 Bottom 17.3% in under $100M

430

Return on Assets

profitability

Value: 0.24%

Peer Median: 0.86%

#430 of 537 Bottom 20.1% in under $100M