BlastPoint's Banking Scorecard
Bank of New Madrid
New Madrid, MO
2 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 -4.1% year over year ($98.9M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.91%.
- Efficiency ratio 57.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of New Madrid has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.58% above tier average
- + Net Interest Margin 0.23% above tier average
- + Efficiency Ratio 6.81% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 26.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.6M
-1.6% YoY
-5.4% QoQ
|
-$269.9M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.7% in tier |
| Total Loans ? |
$65.6M
+6.8% YoY
+9.5% QoQ
|
-$192.8M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.8% in tier |
| Total Deposits ? |
$98.9M
-4.1% YoY
-7.1% QoQ
|
-$227.9M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.1% in tier |
| Return on Assets ? |
1.91%
+5.4% YoY
+2.1% QoQ
|
+0.58% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.22%
+5.8% YoY
+2.4% QoQ
|
+0.23% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
57.67%
+0.5% YoY
-0.1% QoQ
|
-6.81% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.04%
-82.4% YoY
-66.1% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
66.33%
+11.4% YoY
+17.9% QoQ
|
-11.62% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
26.24%
-1.5% YoY
+0.4% QoQ
|
+4.21% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.02%
-80.9% YoY
-60.7% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
14.11%
+8.9% YoY
+3.4% QoQ
|
-1.80% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.25%
+5.2% YoY
+101.6% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
26.2%
-0.4pp YoY +0.1pp QoQ |
+4.1pp | 22.1% | 20.9% | 22.2% | 71% |
| 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 |
6.3%
-0.8pp YoY +0.1pp QoQ |
-5.3pp | 11.6% | 12.3% | 12.5% | 28% |
| CRE |
16.2%
+1.3pp YoY -0.6pp QoQ |
-23.4pp | 39.5% | 36.8% | 41.4% | 12% |
| 1-4 Family |
40.1%
-3.6pp YoY -3.6pp QoQ |
+7.5pp | 32.6% | 31.9% | 31.3% | 70% |
| Consumer |
4.4%
-0.3pp YoY -0.2pp QoQ |
+0.3pp | 4.1% | 4.1% | 5.0% | 73% |
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 |
14.1%
+1.2pp YoY +0.5pp QoQ |
+1.9pp | 12.2% | 11.6% | 12.6% | 82% |
| 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 |
24
-3 (-11.1%) YoY 0 QoQ |
-35 | 58 | 162 | 482 | 17% |
| Assets per Employee ($) |
$4.9M
+10.8% YoY -5.4% QoQ |
-$2.7M | $7.5M | $8.0M | $8.8M | 12% |
| Branch Count |
2
-1 (-33.3%) YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 36% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
33.69x
+421.8% YoY +166.5% QoQ |
+9.54x | 24.15x | 10.47x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
-1.0pp YoY +0.1pp QoQ |
+1.6pp | 12.2% | 14.3% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 18% |
| Net Income ($, YTD) |
$1.1M
+3.3% YoY — QoQ |
-$1.4M | $2.6M | $11.3M | $40.4M | 31% |
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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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.