BlastPoint's Banking Scorecard

The Missouri Bank

$100M-$1B Specialty: Commercial MO FDIC cert 14036

Warrenton, MO

7 branches across MO

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

The Missouri Bank has 3 strengths but faces 3 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

+ Profitability Leader: Top 21.0% in tier
+ Efficiency Ratio 19.70% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.4% in tier
- Credit Risk Growth: Bottom 31.5% in tier
- Net Interest Margin 0.12% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$474.3M +4.0% YoY -5.5% QoQ	+$88.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$310.5M +8.6% YoY -1.7% QoQ	+$54.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$418.1M +3.2% YoY -6.3% QoQ	+$90.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	2.09% +33.4% YoY +28.0% QoQ	+0.82%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 10.4% in tier
Net Interest Margin ?	3.81% +6.9% YoY +1.4% QoQ	-0.12%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	45.59% -11.0% YoY -14.7% QoQ	-19.70%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 9.5% in tier
Delinquency Rate ?	0.13% +31.0% YoY +28.1% QoQ	-0.75%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	74.28% +5.3% YoY +4.9% QoQ	-2.35%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	27.52% +4.5% YoY +12.3% QoQ	+5.50%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.09% +36.8% YoY +33.3% QoQ	-0.55%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	12.28% +3.4% YoY +1.1% QoQ	-3.55%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.11% +25.6% YoY -69.1% QoQ	-0.17%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	58%

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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)

Profitability Leader

growth

#141 of 666 • Top 21.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.09%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#137 of 1308 • Bottom 10.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#307 of 973 • Bottom 31.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 (2 metrics)

255

Efficiency Ratio

profitability

Value: 45.59%

Peer Median: 65.29%

#255 of 2664 Top 9.5% in $100M-$1B

277

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.27%

#277 of 2664 Top 10.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available