BlastPoint's Banking Scorecard
New Era Bank
Fredericktown, MO
8 branches across MO
New Era Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12.9% in tier
- + Revenue Diversifier: Top 38.3% in tier
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 17.98% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.92% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$449.2M
+3.5% YoY
+2.4% QoQ
|
+$63.1M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$250.8M
-0.2% YoY
-0.4% QoQ
|
-$4.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$384.7M
+2.5% YoY
+2.8% QoQ
|
+$56.7M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
2.35%
+32.8% YoY
-2.4% QoQ
|
+1.08% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 6.4% in tier |
| Net Interest Margin ? |
4.12%
+8.8% YoY
+0.7% QoQ
|
+0.19% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
47.31%
+7.8% YoY
+14.8% QoQ
|
-17.98% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 11.8% in tier |
| Delinquency Rate ? |
0.04%
-98.7% YoY
-94.6% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
65.20%
-2.7% YoY
-3.1% QoQ
|
-11.44% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
3.10%
-7.3% YoY
-18.8% QoQ
|
-18.92% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.1% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-80.0% YoY
-16.4% QoQ
|
-0.26% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.88%
+8.0% YoY
+3.0% QoQ
|
-1.95% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.16%
+3.4% YoY
-78.8% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
76% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.