BlastPoint's Banking Scorecard
Community Point Bank
Russellville, MO
3 branches across MO
Community Point Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.55% below tier average
- + ROA 0.44% above tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$254.3M
+21.0% YoY
+6.1% QoQ
|
-$131.8M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$202.6M
+22.5% YoY
+1.6% QoQ
|
-$53.1M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$219.7M
+17.4% YoY
+6.4% QoQ
|
-$108.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
1.71%
+12.7% YoY
-4.1% QoQ
|
+0.44% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.77%
+4.3% YoY
-1.7% QoQ
|
-0.16% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
45.74%
-10.2% YoY
-2.3% QoQ
|
-19.55% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 9.7% in tier |
| Delinquency Rate ? |
0.03%
-91.3% YoY
-86.6% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
92.21%
+4.4% YoY
-4.5% QoQ
|
+15.57% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
12.27%
-11.2% YoY
-5.1% QoQ
|
-9.75% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.03%
-91.2% YoY
-87.2% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
11.46%
+11.4% YoY
+26.2% QoQ
|
-4.37% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.03%
-29.3% YoY
-80.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.0% in tier |
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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.