BlastPoint's Banking Scorecard
MA Bank
Macon, 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 +7.3% year over year ($364.5M on the books).
- Delinquency rate 0.97%.
- Return on assets 1.06%.
- Efficiency ratio 68.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
MA Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 4.04% above tier average
- - Delinquency Rate 0.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$417.3M
+9.1% YoY
+2.4% QoQ
|
+$30.7M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$232.6M
+15.4% YoY
+5.4% QoQ
|
-$25.8M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$364.5M
+7.3% YoY
+0.2% QoQ
|
+$37.7M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
1.06%
+27.9% YoY
-5.1% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.39%
+3.8% YoY
+0.5% QoQ
|
-0.60% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
68.51%
-3.9% YoY
+3.8% QoQ
|
+4.04% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.97%
-19.5% YoY
+37.1% QoQ
|
+0.05% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
63.81%
+7.5% YoY
+5.1% QoQ
|
-14.14% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.76%
-3.0% YoY
-5.3% QoQ
|
-1.27% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.54%
-15.6% YoY
+41.0% QoQ
|
-0.13% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
9.54%
-1.1% YoY
+0.2% QoQ
|
-6.37% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.4% in tier |
| Non-Interest Income / Assets ? |
0.24%
-24.5% YoY
+135.3% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
20.8%
-0.6pp YoY -1.2pp QoQ |
-1.4pp | 22.1% | 20.9% | 22.2% | 48% |
| 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 |
5.9%
-0.5pp YoY +0.1pp QoQ |
-5.7pp | 11.6% | 12.3% | 12.5% | 25% |
| CRE |
17.7%
-0.7pp YoY -0.8pp QoQ |
-21.8pp | 39.5% | 36.8% | 41.4% | 15% |
| 1-4 Family |
12.7%
+1.5pp YoY +0.5pp QoQ |
-19.9pp | 32.6% | 31.9% | 31.3% | 15% |
| Consumer |
3.9%
-0.6pp YoY -0.4pp QoQ |
-0.2pp | 4.1% | 4.1% | 5.0% | 69% |
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 |
9.5%
-0.1pp YoY 0.0pp QoQ |
-2.6pp | 12.2% | 11.6% | 12.6% | 22% |
| 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 |
60
-11 (-15.5%) YoY +1 (+1.7%) QoQ |
+1 | 58 | 162 | 482 | 63% |
| Assets per Employee ($) |
$7.0M
+29.1% YoY +0.7% QoQ |
-$563K | $7.5M | $8.0M | $8.8M | 51% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.5%
-0.2pp YoY +0.4pp QoQ |
+0.2pp | 0.3% | 0.3% | 0.4% | 84% |
| Nonaccrual |
0.4%
0.0pp YoY -0.2pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
1.46x
+16.4% YoY -31.4% QoQ |
-22.69x | 24.15x | 10.47x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.3% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+2.1pp YoY -0.5pp QoQ |
-0.7pp | 12.2% | 14.3% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.1%
+0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 75% |
| Net Income ($, YTD) |
$2.2M
+36.8% YoY — QoQ |
-$383K | $2.6M | $11.3M | $40.4M | 56% |
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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.