BlastPoint's Banking Scorecard
Silex Banking Company
Designations: ✓ Community bank
Silex, 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +4.3% year over year ($84.4M on the books).
- Delinquency rate 0.91%.
- Return on assets 1.05%.
- Efficiency ratio 66.92% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.79% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Silex Banking Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Efficiency Ratio 52.47% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.35% below tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.2M
+4.7% YoY
+1.1% QoQ
|
+$35.7M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 2.2% in tier |
| Total Loans ? |
$61.5M
+3.0% YoY
-1.6% QoQ
|
+$26.6M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Top 12.7% in tier |
| Total Deposits ? |
$84.4M
+4.3% YoY
+1.3% QoQ
|
+$32.8M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Top 4.1% in tier |
| Return on Assets ? |
1.05%
+181.3% YoY
+7.1% QoQ
|
+0.05% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.65%
+12.9% YoY
+1.9% QoQ
|
-0.26% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
66.92%
-6.8% YoY
-2.5% QoQ
|
-52.47% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? | 0.91% | -0.57% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
72.79%
-1.2% YoY
-2.8% QoQ
|
-1.42% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
18.86%
-8.0% YoY
-6.4% QoQ
|
-4.63% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? | 0.57% | -0.26% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
14.67%
+2.5% YoY
-2.2% QoQ
|
-12.46% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.03%
-20.9% YoY
+91.1% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 9.9% 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 |
18.9%
-1.6pp YoY -1.3pp QoQ |
-5.8pp | 24.6% | 20.9% | 22.2% | 31% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
2.2%
-1.2pp YoY -0.6pp QoQ |
-11.2pp | 13.4% | 12.3% | 12.5% | 6% |
| CRE |
23.3%
+3.3pp YoY +1.1pp QoQ |
-2.0pp | 25.2% | 36.8% | 41.4% | 58% |
| 1-4 Family |
33.4%
+3.2pp YoY +2.7pp QoQ |
-1.6pp | 35.0% | 31.9% | 31.3% | 54% |
| Consumer |
1.0%
-0.1pp YoY 0.0pp QoQ |
-6.7pp | 7.7% | 4.1% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
14.7%
+0.4pp YoY -0.3pp QoQ |
-3.0pp | 17.7% | 11.6% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+3 (+33.3%) YoY 0 QoQ |
-0 | 12 | 162 | 482 | 56% |
| Assets per Employee ($) |
$8.2M
-21.4% YoY +1.1% QoQ |
+$2.0M | $6.2M | $8.0M | $8.8M | 82% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.9% | 0.0pp | 1.0% | 0.3% | 0.4% | 71% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | 0.99x | -5.42x | 6.41x | 10.47x | 20.23x | 42% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
+4.7pp YoY +0.5pp QoQ |
+1.1pp | 6.4% | 14.3% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.8% | 1.7% | 52% |
| Net Income ($, YTD) |
$503,000
+187.4% YoY — QoQ |
+$185K | $317,817 | $11.3M | $40.4M | 74% |
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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.