BlastPoint's Banking Scorecard
First Bank
St. Louis, MO
76 branches across CA · MO · IL · KS
First Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 28.7% in tier
- - ROA 0.73% below tier average
- - Net Interest Margin 0.80% below tier average
- - Efficiency Ratio 12.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.7B
+1.8% YoY
+0.6% QoQ
|
+$3.9B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Top 8.6% in tier |
| Total Loans ? |
$4.2B
+9.4% YoY
+5.2% QoQ
|
+$2.2B |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Top 11.1% in tier |
| Total Deposits ? |
$5.9B
+1.1% YoY
-0.6% QoQ
|
+$3.6B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Top 6.6% in tier |
| Return on Assets ? |
0.63%
+187.8% YoY
+24.3% QoQ
|
-0.73% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.7% in tier |
| Net Interest Margin ? |
3.02%
+14.6% YoY
+3.2% QoQ
|
-0.80% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
73.51%
-17.4% YoY
-7.3% QoQ
|
+12.45% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.24%
-38.6% YoY
-0.1% QoQ
|
-0.65% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
70.67%
+8.2% YoY
+5.8% QoQ
|
-13.53% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
23.53%
-3.6% YoY
-0.3% QoQ
|
+2.24% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.19%
-17.3% YoY
+28.2% QoQ
|
-0.49% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.87%
-1.3% YoY
-2.4% QoQ
|
-2.29% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.22%
+26.7% YoY
-69.9% QoQ
|
-0.03% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.