BlastPoint's Banking Scorecard
FMB Bank
Designations: ✓ Community bank
Wright City, 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +5.8% year over year ($47.6M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.22%.
- Efficiency ratio 89.24% vs a 119.40% peer average.
- Loan-to-deposit ratio 31.93% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FMB Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 30.16% below tier average
- + Delinquency Rate 1.47% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.2M
+6.5% YoY
-3.7% QoQ
|
-$11.2M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$15.2M
+2.6% YoY
+12.4% QoQ
|
-$19.7M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$47.6M
+5.8% YoY
-4.0% QoQ
|
-$4.1M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
0.22%
+108.6% YoY
-6.4% QoQ
|
-0.77% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.48%
+5.2% YoY
-0.3% QoQ
|
-0.43% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
89.24%
-8.8% YoY
-3.7% QoQ
|
-30.16% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.01%
-2.5% YoY
-11.0% QoQ
|
-1.47% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
31.93%
-3.0% YoY
+17.1% QoQ
|
-42.28% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 9.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.62%
+2.3% YoY
-60.3% QoQ
|
+6.13% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.00%
-6.1% YoY
+3.8% QoQ
|
-0.83% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
14.55%
+13.0% YoY
-5.6% QoQ
|
-12.58% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.28%
-8.1% YoY
+104.7% QoQ
|
-1.10% |
1.38%
+6.3% 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 |
29.6%
+0.7pp YoY -45.0pp QoQ |
+5.0pp | 24.6% | 20.9% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.8%
-3.6pp YoY -1.6pp QoQ |
-6.6pp | 13.4% | 12.3% | 12.5% | 32% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
51.5%
+5.0pp YoY +3.1pp QoQ |
+16.5pp | 35.0% | 31.9% | 31.3% | 73% |
| Consumer |
7.4%
-2.7pp YoY -1.3pp QoQ |
-0.3pp | 7.7% | 4.1% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.6%
+1.7pp YoY -0.9pp QoQ |
-24.1pp | 38.7% | 18.5% | 19.7% | 20% |
| Leverage Ratio |
7.5%
-0.2pp YoY -0.1pp QoQ |
-10.2pp | 17.7% | 11.6% | 12.6% | 2% |
| Total Capital Ratio |
15.1%
+1.6pp YoY -0.8pp QoQ |
-24.6pp | 39.7% | 19.6% | 20.8% | 15% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 162 | 482 | 56% |
| Assets per Employee ($) |
$4.3M
+6.5% YoY -3.7% QoQ |
-$1.9M | $6.2M | $8.0M | $8.8M | 25% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.3% | 0.4% | 6% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
74.50x
-20.7% YoY +25.2% QoQ |
+68.09x | 6.41x | 10.47x | 20.23x | 99% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.1%
+1.3pp YoY -0.1pp QoQ |
-3.3pp | 6.4% | 14.3% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY -0.1pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 43% |
| Net Income ($, YTD) |
$54,000
+116.0% YoY — QoQ |
-$264K | $317,817 | $11.3M | $40.4M | 18% |
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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.