BlastPoint's Banking Scorecard
Community Point Bank
Russellville, MO
3 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 +16.4% year over year ($227.4M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.70%.
- Efficiency ratio 44.58% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.24% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Point Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.90% below tier average
- + ROA 0.38% above tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$259.7M
+18.8% YoY
+2.1% QoQ
|
-$126.8M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$212.1M
+21.7% YoY
+4.7% QoQ
|
-$46.3M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$227.4M
+16.4% YoY
+3.5% QoQ
|
-$99.3M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.70%
+3.4% YoY
-0.8% QoQ
|
+0.38% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
3.77%
+2.7% YoY
+0.0% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
44.58%
-9.8% YoY
-2.5% QoQ
|
-19.90% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 8.3% in tier |
| Delinquency Rate ? |
0.07%
-64.7% YoY
+102.5% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
93.24%
+4.6% YoY
+1.1% QoQ
|
+15.29% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
12.17%
-11.6% YoY
-0.9% QoQ
|
-9.86% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.9% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-63.9% YoY
+107.5% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
9.97%
-4.0% YoY
-13.0% QoQ
|
-5.94% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.3% in tier |
| Non-Interest Income / Assets ? |
0.06%
-12.9% YoY
+108.2% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.1% 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 |
12.2%
-1.6pp YoY -0.1pp QoQ |
-10.0pp | 22.1% | 20.9% | 22.2% | 14% |
| Brokered Deposits |
0.4%
-0.2pp QoQ |
-7.5pp | 7.9% | 7.4% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.9%
+1.1pp YoY +0.5pp QoQ |
-1.7pp | 11.6% | 12.3% | 12.5% | 52% |
| CRE |
17.3%
-1.2pp YoY +0.9pp QoQ |
-22.2pp | 39.5% | 36.8% | 41.4% | 14% |
| 1-4 Family |
22.9%
-0.7pp YoY -0.4pp QoQ |
-9.8pp | 32.6% | 31.9% | 31.3% | 36% |
| Consumer |
4.0%
-0.5pp YoY -0.1pp QoQ |
-0.1pp | 4.1% | 4.1% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.0%
-0.4pp YoY -1.5pp QoQ |
-8.9pp | 18.8% | 18.5% | 19.7% | 2% |
| Leverage Ratio |
8.2%
-0.4pp YoY -1.3pp QoQ |
-4.0pp | 12.2% | 11.6% | 12.6% | 3% |
| Total Capital Ratio |
11.2%
-0.4pp YoY -1.4pp QoQ |
-8.7pp | 19.9% | 19.6% | 20.8% | 3% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
0 YoY -1 (-3.8%) QoQ |
-34 | 58 | 162 | 482 | 19% |
| Assets per Employee ($) |
$10.4M
+18.8% YoY +6.2% QoQ |
+$2.9M | $7.5M | $8.0M | $8.8M | 88% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.3% | 0.4% | 28% |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 10% |
| Allowance Coverage |
17.82x
+187.2% YoY -48.9% QoQ |
-6.33x | 24.15x | 10.47x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.1%
+0.2pp YoY -0.2pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.8%
-0.4pp YoY +0.2pp QoQ |
+9.6pp | 12.2% | 14.3% | 11.6% | 92% |
| Cost of Funds (YTD) |
2.9%
0.0pp YoY 0.0pp QoQ |
+1.2pp | 1.7% | 1.8% | 1.7% | 96% |
| Net Income ($, YTD) |
$2.1M
+23.3% YoY — QoQ |
-$420K | $2.6M | $11.3M | $40.4M | 55% |
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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.