BlastPoint's Banking Scorecard

First Bank

$1B-$10B Specialty: Commercial MO FDIC cert 12229

St. Louis, MO

76 branches across CA · MO · IL · KS

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits -1.1% year over year ($5.8B on the books).
Delinquency rate 0.27%.
Return on assets 0.66%.
Efficiency ratio 73.69% vs a 59.73% peer average.
Loan-to-deposit ratio 72.28% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

First Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 30.2% in tier
- ROA 0.73% below tier average
- Net Interest Margin 0.79% below tier average
- Efficiency Ratio 13.96% above tier average

Get updates when First 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 ?	$6.7B +1.8% YoY -0.5% QoQ	+$3.9B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 8.0% in tier
Total Loans ?	$4.2B +7.8% YoY +0.4% QoQ	+$2.3B	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 11.1% in tier
Total Deposits ?	$5.8B -1.1% YoY -1.8% QoQ	+$3.5B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 6.2% in tier
Return on Assets ?	0.66% +79.3% YoY +4.4% QoQ	-0.73%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Bottom 12.2% in tier
Net Interest Margin ?	3.08% +11.8% YoY +2.3% QoQ	-0.79%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	73.69% -11.9% YoY +0.2% QoQ	+13.96%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Bottom 14.8% in tier
Delinquency Rate ?	0.27% -18.0% YoY +13.6% QoQ	-0.59%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	72.28% +9.0% YoY +2.3% QoQ	-12.76%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	24.67% +2.9% YoY +4.9% QoQ	+3.40%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.21% +5.4% YoY +11.3% QoQ	-0.46%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	13.06% +0.6% YoY +1.5% QoQ	-1.78%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.43% +13.0% YoY +90.6% QoQ	-0.10%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	74%

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	24.7% +0.7pp YoY +1.1pp QoQ	+3.3pp	21.4%	20.9%	22.2%	70%
Brokered Deposits	0.6% -0.2pp YoY -0.1pp QoQ	-8.9pp	9.5%	7.4%	8.5%	13%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	19.5% +0.9pp YoY +0.2pp QoQ	+5.5pp	14.0%	12.3%	12.5%	80%
CRE	45.2% -0.3pp YoY +0.7pp QoQ	-4.8pp	50.0%	36.8%	41.4%	36%
1-4 Family	25.9% -3.5pp YoY -0.4pp QoQ	-0.6pp	26.4%	31.9%	31.3%	57%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-4.3pp	4.7%	4.1%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.1pp YoY +0.2pp QoQ	-2.5pp	15.6%	18.5%	19.7%	42%
Leverage Ratio	9.7% +0.7pp YoY +0.2pp QoQ	-1.6pp	11.3%	11.6%	12.6%	28%
Total Capital Ratio	14.0% +0.1pp YoY +0.2pp QoQ	-2.7pp	16.7%	19.6%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	785 -29 (-3.6%) YoY -2 (-0.3%) QoQ	+471	313	162	482	94%
Assets per Employee ($)	$8.5M +5.6% YoY -0.3% QoQ	-$2.0M	$10.5M	$8.0M	$8.8M	48%
Branch Count	76 +1 (+1.3%) YoY 0 QoQ	+56	20	10	18	98%

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	-0.1pp	0.2%	0.3%	0.4%	74%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.8%	1.0%	20%
Allowance Coverage	3.78x +23.6% YoY -11.9% QoQ	-14.93x	18.71x	10.47x	20.23x	70%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.3%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	8.0% +3.1pp YoY +0.2pp QoQ	-4.6pp	12.6%	14.3%	11.6%	20%
Cost of Funds (YTD)	1.8% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	44%
Net Income ($, YTD)	$22.0M +81.7% YoY — QoQ	+$2.8M	$19.2M	$11.3M	$40.4M	73%

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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 (1)

Flatlined Growth

risk

#50 of 162 • Bottom 30.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.66%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Deposits

size

Value: $5.83B

Peer Median: $2.32B

#56 of 885 Top 6.2% in $1B-$10B

Total Assets

size

Value: $6.65B

Peer Median: $2.79B

#72 of 885 Top 8.0% in $1B-$10B

Total Loans

size

Value: $4.21B

Peer Median: $1.96B

#99 of 885 Top 11.1% in $1B-$10B

168

Loan-to-Deposit Ratio

liquidity

Value: 72.28%

Peer Median: 85.04%

#168 of 885 Top 18.9% in $1B-$10B

Top Weaknesses (3 metrics)

778

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.39%

#778 of 885 Bottom 12.2% in $1B-$10B

755

Efficiency Ratio

profitability

Value: 73.69%

Peer Median: 59.73%

#755 of 885 Bottom 14.8% in $1B-$10B

728

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.87%

#728 of 885 Bottom 17.9% in $1B-$10B