BlastPoint's Banking Scorecard

New Era Bank

$100M-$1B Specialty: Commercial MO FDIC cert 14546

Fredericktown, MO

8 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 +3.9% year over year ($387.7M on the books).
Delinquency rate 0.02%.
Return on assets 2.46%.
Efficiency ratio 44.97% vs a 64.48% peer average.
Loan-to-deposit ratio 64.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

New Era Bank has 5 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

+ Profitability Leader: Top 19.8% in tier
+ Revenue Diversifier: Top 34.8% in tier
+ Efficiency Ratio 19.51% below tier average
+ Net Interest Margin 0.17% above tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 18.59% below tier average

Get updates when New Era Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$453.1M +4.5% YoY +0.9% QoQ	+$66.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$250.7M +3.4% YoY -0.0% QoQ	-$7.6M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$387.7M +3.9% YoY +0.8% QoQ	+$61.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	2.46% +14.4% YoY +4.7% QoQ	+1.14%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 5.1% in tier
Net Interest Margin ?	4.15% +4.3% YoY +0.9% QoQ	+0.17%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	44.97% +11.1% YoY -4.9% QoQ	-19.51%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 9.1% in tier
Delinquency Rate ?	0.02% -99.2% YoY -43.0% QoQ	-0.89%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	64.67% -0.5% YoY -0.8% QoQ	-13.28%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	3.45% -0.2% YoY +11.1% QoQ	-18.59%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 2.4% in tier
Nonperforming Asset Ratio ?	0.37% -77.2% YoY -3.5% QoQ	-0.30%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	13.98% +7.2% YoY +0.7% QoQ	-1.93%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.33% -20.2% YoY +109.6% QoQ	-0.23%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	77%

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	3.4% 0.0pp YoY +0.3pp QoQ	-18.7pp	22.1%	20.9%	22.2%	2%
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	3.5% -1.2pp YoY -0.3pp QoQ	-8.0pp	11.6%	12.3%	12.5%	12%
CRE	42.6% -1.3pp YoY +0.7pp QoQ	+3.1pp	39.5%	36.8%	41.4%	58%
1-4 Family	47.1% +2.5pp YoY -0.3pp QoQ	+14.5pp	32.6%	31.9%	31.3%	79%
Consumer	2.6% -0.3pp YoY 0.0pp QoQ	-1.5pp	4.1%	4.1%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	14.0% +0.9pp YoY +0.1pp QoQ	+1.8pp	12.2%	11.6%	12.6%	81%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	66 -1 (-1.5%) YoY 0 QoQ	+7	58	162	482	68%
Assets per Employee ($)	$6.9M +6.1% YoY +0.9% QoQ	-$653K	$7.5M	$8.0M	$8.8M	50%
Branch Count	8 0 YoY 0 QoQ	+3	4	10	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	19%
Nonaccrual	0.0% -2.9pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	4%
Allowance Coverage	58.39x +10700.8% YoY +78.7% QoQ	+34.24x	24.15x	10.47x	20.23x	95%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY -0.2pp QoQ	+0.1pp	0.1%	0.3%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	17.5% +1.2pp YoY +0.8pp QoQ	+5.3pp	12.2%	14.3%	11.6%	80%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	14%
Net Income ($, YTD)	$5.5M +18.6% YoY — QoQ	+$2.9M	$2.6M	$11.3M	$40.4M	90%

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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 (2)

Profitability Leader

growth

#132 of 661 • Top 19.8% in tier

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

Why this signature

Return on Assets: 2.46%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Revenue Diversifier

growth

#231 of 661 • Top 34.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.33%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.46%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

135

Return on Assets

profitability

Value: 2.46%

Peer Median: 1.32%

#135 of 2643 Top 5.1% in $100M-$1B

241

Efficiency Ratio

profitability

Value: 44.97%

Peer Median: 64.48%

#241 of 2643 Top 9.1% in $100M-$1B

437

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#437 of 2633 Top 16.6% in $100M-$1B

600

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#600 of 2643 Top 22.7% in $100M-$1B

612

Loan-to-Deposit Ratio

liquidity

Value: 64.67%

Peer Median: 77.95%

#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (1 metrics)

2581

Non-Interest-Bearing Deposit Share

funding

Value: 3.45%

Peer Median: 22.03%

#2581 of 2643 Bottom 2.4% in $100M-$1B