BlastPoint's Banking Scorecard

Northeast Missouri State Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 13381

Kirksville, MO

2 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Northeast Missouri State Bank has 3 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 31.3% in tier
+ ROA 0.23% above tier average
+ Efficiency Ratio 16.78% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.02% below tier average

Get updates when Northeast Missouri State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$164.6M +10.4% YoY +4.2% QoQ	-$221.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$64.8M +5.1% YoY -4.1% QoQ	-$191.0M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 5.9% in tier
Total Deposits ?	$147.9M +9.1% YoY +4.7% QoQ	-$180.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	1.50% +30.2% YoY +9.9% QoQ	+0.23%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	2.91% +8.8% YoY +2.3% QoQ	-1.02%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Bottom 8.7% in tier
Efficiency Ratio ?	48.51% -16.6% YoY -7.6% QoQ	-16.78%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 13.3% in tier
Delinquency Rate ?	0.03% -44.0% YoY -94.8% QoQ	-0.86%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	43.79% -3.6% YoY -8.4% QoQ	-32.84%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Top 5.7% in tier
Non-Interest-Bearing Deposit Share ?	24.80% -5.2% YoY -6.7% QoQ	+2.78%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.02% -1.5% YoY -91.1% QoQ	-0.62%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	22.91% +6.3% YoY +7.9% QoQ	+7.08%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 8.7% in tier
Non-Interest Income / Assets ?	0.04% -30.4% YoY -78.7% QoQ	-0.24%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	15%

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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 (1)

Credit Quality Leader

growth

#209 of 664 • Top 31.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

154

Loan-to-Deposit Ratio

liquidity

Value: 43.79%

Peer Median: 76.64%

#154 of 2664 Top 5.7% in $100M-$1B

233

Tier 1 Capital Ratio

capital

Value: 22.91%

Peer Median: 15.83%

#233 of 2664 Top 8.7% in $100M-$1B

355

Efficiency Ratio

profitability

Value: 48.51%

Peer Median: 65.29%

#355 of 2664 Top 13.3% in $100M-$1B

456

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#456 of 2664 Top 17.1% in $100M-$1B

467

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#467 of 2654 Top 17.6% in $100M-$1B

Top Weaknesses (5 metrics)

2507

Total Loans

size

Value: $64.76M

Peer Median: $255.72M

#2507 of 2664 Bottom 5.9% in $100M-$1B

2432

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.93%

#2432 of 2664 Bottom 8.7% in $100M-$1B

2254

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2254 of 2664 Bottom 15.4% in $100M-$1B

2183

Total Assets

size

Value: $164.61M

Peer Median: $386.08M

#2183 of 2664 Bottom 18.1% in $100M-$1B

2107

Total Deposits

size

Value: $147.88M

Peer Median: $327.97M

#2107 of 2664 Bottom 20.9% in $100M-$1B