BlastPoint's Banking Scorecard

Peoples Savings Bank of Rhineland

$100M-$1B Specialty: Commercial MO FDIC cert 15264

Rhineland, MO

15 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Peoples Savings Bank of Rhineland has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.25% above tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.0% in tier
- ROA 0.16% below tier average
- Efficiency Ratio 1.01% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$830.6M +22.4% YoY +1.4% QoQ	+$444.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 6.9% in tier
Total Loans ?	$648.5M +20.1% YoY +1.3% QoQ	+$392.7M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 4.2% in tier
Total Deposits ?	$709.7M +27.3% YoY +2.2% QoQ	+$381.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 6.2% in tier
Return on Assets ?	1.11% -2.5% YoY +3.4% QoQ	-0.16%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	4.18% +5.2% YoY +11.1% QoQ	+0.25%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	66.29% +7.5% YoY +9.0% QoQ	+1.01%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.21% +72.1% YoY +3.1% QoQ	-0.68%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	91.38% -5.7% YoY -1.0% QoQ	+14.74%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	22.39% -1.8% YoY +3.7% QoQ	+0.37%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.16% +68.9% YoY +3.0% QoQ	-0.47%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	10.76% -4.6% YoY +0.6% QoQ	-5.07%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.10% -4.2% YoY -74.3% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#250 of 1308 • Bottom 19.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.21%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

114

Total Loans

size

Value: $648.46M

Peer Median: $255.72M

#114 of 2664 Top 4.2% in $100M-$1B

165

Total Deposits

size

Value: $709.66M

Peer Median: $327.97M

#165 of 2664 Top 6.2% in $100M-$1B

186

Total Assets

size

Value: $830.59M

Peer Median: $386.08M

#186 of 2664 Top 6.9% in $100M-$1B

Top Weaknesses (2 metrics)

2132

Tier 1 Capital Ratio

capital

Value: 10.76%

Peer Median: 15.83%

#2132 of 2664 Bottom 20.0% in $100M-$1B

2080

Loan-to-Deposit Ratio

liquidity

Value: 91.38%

Peer Median: 76.64%

#2080 of 2664 Bottom 22.0% in $100M-$1B