BlastPoint's Banking Scorecard
Bank of New Madrid
New Madrid, MO
3 branches across MO
Bank of New Madrid has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 7.54% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 19.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.2M
-2.6% YoY
+4.0% QoQ
|
-$262.8M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.8% in tier |
| Total Loans ? |
$59.9M
+0.1% YoY
-5.1% QoQ
|
-$195.8M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.0% in tier |
| Total Deposits ? |
$106.5M
-4.1% YoY
+4.7% QoQ
|
-$221.5M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.5% in tier |
| Return on Assets ? |
1.87%
+10.6% YoY
+6.1% QoQ
|
+0.60% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.12%
+6.0% YoY
+1.4% QoQ
|
+0.19% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
57.74%
-1.6% YoY
-2.5% QoQ
|
-7.54% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.12%
-65.4% YoY
-7.8% QoQ
|
-0.77% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
56.26%
+4.3% YoY
-9.4% QoQ
|
-20.38% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 14.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.15%
-3.7% YoY
-3.7% QoQ
|
+4.13% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.06%
-64.4% YoY
-15.9% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.65%
+9.7% YoY
-3.9% QoQ
|
-2.18% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.12%
+17.3% YoY
-73.7% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
64% |
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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.