BlastPoint's Banking Scorecard
Community Bank and Trust
Neosho, MO
13 branches across MO · KS
Community Bank and Trust has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4.4% in tier
- + Revenue Diversifier: Top 47.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.0% in tier
- - Credit Risk Growth: Bottom 15.2% in tier
- - Liquidity Overhang: Bottom 47.5% in tier
- - ROA 0.25% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 10.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$441.9M
+2.6% YoY
+2.1% QoQ
|
+$55.9M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$194.5M
+5.7% YoY
-2.2% QoQ
|
-$61.2M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$391.7M
+2.7% YoY
+4.1% QoQ
|
+$63.8M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
1.01%
+11.9% YoY
-9.1% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.56%
+9.0% YoY
+2.5% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
76.16%
-2.5% YoY
+2.3% QoQ
|
+10.88% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.07%
+67.3% YoY
+196.5% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
49.65%
+2.9% YoY
-6.0% QoQ
|
-26.99% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 9.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.26%
-1.2% YoY
+0.3% QoQ
|
+8.24% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.03%
+72.3% YoY
+184.0% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
26.87%
+4.1% YoY
+6.7% QoQ
|
+11.04% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Top 5.1% in tier |
| Non-Interest Income / Assets ? |
0.28%
-0.4% YoY
-76.5% QoQ
|
+0.00% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 7.7% in tier |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.