BlastPoint's Banking Scorecard
Northeast Missouri State Bank
Kirksville, MO
2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +8.2% year over year ($147.4M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.53%.
- Efficiency ratio 48.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 44.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northeast Missouri State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 15.99% below tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.02% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.1M
+9.1% YoY
-0.3% QoQ
|
-$222.4M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$66.1M
+4.5% YoY
+2.1% QoQ
|
-$192.2M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.1% in tier |
| Total Deposits ? |
$147.4M
+8.2% YoY
-0.3% QoQ
|
-$179.3M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.53%
+22.4% YoY
+2.0% QoQ
|
+0.21% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
2.96%
+8.3% YoY
+1.8% QoQ
|
-1.02% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio ? |
48.49%
-12.0% YoY
-0.1% QoQ
|
-15.99% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 13.9% in tier |
| Delinquency Rate ? |
0.02%
-84.2% YoY
-31.4% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
44.84%
-3.4% YoY
+2.4% QoQ
|
-33.11% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.72%
-8.1% YoY
-4.3% QoQ
|
+1.69% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.02%
-66.6% YoY
-16.0% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
21.24%
+0.8% YoY
-7.3% QoQ
|
+5.34% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Top 11.5% in tier |
| Non-Interest Income / Assets ? |
0.09%
-21.1% YoY
+103.5% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.6% in tier |
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 |
23.7%
-2.1pp YoY -1.1pp QoQ |
+1.6pp | 22.1% | 20.9% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
7.2%
-0.5pp YoY -0.1pp QoQ |
-4.3pp | 11.6% | 12.3% | 12.5% | 34% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
31.5%
+3.2pp YoY +0.6pp QoQ |
-1.2pp | 32.6% | 31.9% | 31.3% | 54% |
| Consumer |
7.3%
+0.1pp YoY +0.1pp QoQ |
+3.2pp | 4.1% | 4.1% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.2%
+0.2pp YoY -1.7pp QoQ |
+2.4pp | 18.8% | 18.5% | 19.7% | 81% |
| Leverage Ratio |
11.1%
-0.5pp YoY -0.3pp QoQ |
-1.1pp | 12.2% | 11.6% | 12.6% | 52% |
| Total Capital Ratio |
22.2%
+0.1pp YoY -1.7pp QoQ |
+2.2pp | 19.9% | 19.6% | 20.8% | 81% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+2 (+16.7%) YoY +1 (+7.7%) QoQ |
-45 | 58 | 162 | 482 | 3% |
| Assets per Employee ($) |
$11.7M
-6.5% YoY -7.4% QoQ |
+$4.2M | $7.5M | $8.0M | $8.8M | 92% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 26% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
56.93x
+498.1% YoY +41.6% QoQ |
+32.78x | 24.15x | 10.47x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY |
-0.1pp | 0.1% | 0.3% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.6%
+1.0pp YoY +0.3pp QoQ |
+3.4pp | 12.2% | 14.3% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 53% |
| Net Income ($, YTD) |
$1.2M
+34.6% YoY — QoQ |
-$1.3M | $2.6M | $11.3M | $40.4M | 34% |
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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.