BlastPoint's Banking Scorecard
Senath State Bank
Senath, MO
3 branches across MO
Senath State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 44.9% in tier
- + ROA 0.66% above tier average
- + Net Interest Margin 0.23% above tier average
- + Efficiency Ratio 6.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.9M
+2.5% YoY
-3.5% QoQ
|
-$284.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.9% in tier |
| Total Loans ? |
$52.3M
-1.3% YoY
-2.0% QoQ
|
-$203.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.4% in tier |
| Total Deposits ? |
$86.5M
+2.2% YoY
-3.6% QoQ
|
-$241.5M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.6% in tier |
| Return on Assets ? |
1.93%
-2.4% YoY
-2.1% QoQ
|
+0.66% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 14.3% in tier |
| Net Interest Margin ? |
4.16%
+2.4% YoY
-2.3% QoQ
|
+0.23% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
58.54%
+4.6% YoY
+2.0% QoQ
|
-6.75% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
1.47%
+1.3% YoY
+141.6% QoQ
|
+0.58% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
60.48%
-3.4% YoY
+1.7% QoQ
|
-16.16% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
30.66%
-5.3% YoY
-7.4% QoQ
|
+8.64% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.77%
+0.1% YoY
+151.7% QoQ
|
+0.13% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.83%
+2.3% YoY
-6.2% QoQ
|
-1.00% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.18%
+24.7% YoY
-65.6% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
81% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.