BlastPoint's Banking Scorecard

PSB Bank

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

Rhineland, MO

18 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 +19.4% year over year ($694.1M on the books).
Delinquency rate 0.29%.
Return on assets 1.19%.
Efficiency ratio 64.84% vs a 64.48% peer average.
Loan-to-deposit ratio 95.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

PSB Bank 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 0.24% above tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.4% in tier
- ROA 0.13% below tier average
- Efficiency Ratio 0.36% above tier average

Get updates when PSB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$854.5M +22.3% YoY +2.9% QoQ	+$467.9M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 5.4% in tier
Total Loans ?	$664.0M +20.2% YoY +2.4% QoQ	+$405.7M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 3.5% in tier
Total Deposits ?	$694.1M +19.4% YoY -2.2% QoQ	+$367.4M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 7.1% in tier
Return on Assets ?	1.19% +1.8% YoY +7.5% QoQ	-0.13%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	4.23% +5.2% YoY +1.1% QoQ	+0.24%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	64.84% +7.3% YoY -2.2% QoQ	+0.36%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	43%
Delinquency Rate ?	0.29% +36.8% YoY +37.0% QoQ	-0.63%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	95.67% +0.6% YoY +4.7% QoQ	+17.72%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	22.15% -0.2% YoY -1.1% QoQ	+0.12%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.22% +34.4% YoY +36.4% QoQ	-0.44%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	9.37% -16.5% YoY -12.9% QoQ	-6.54%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 3.7% in tier
Non-Interest Income / Assets ?	0.21% -1.5% YoY +105.9% QoQ	-0.36%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	53%

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	22.2% 0.0pp YoY -0.2pp QoQ	0.0pp	22.1%	20.9%	22.2%	55%
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	10.3% -1.1pp YoY -0.5pp QoQ	-1.2pp	11.6%	12.3%	12.5%	54%
CRE	43.6% -0.3pp YoY -0.2pp QoQ	+4.1pp	39.5%	36.8%	41.4%	60%
1-4 Family	28.3% -1.0pp YoY -0.1pp QoQ	-4.3pp	32.6%	31.9%	31.3%	48%
Consumer	1.6% +0.2pp YoY -0.1pp QoQ	-2.5pp	4.1%	4.1%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	9.4% -1.9pp YoY -1.4pp QoQ	-9.5pp	18.8%	18.5%	19.7%	0%
Leverage Ratio	8.1% -1.6pp YoY -0.9pp QoQ	-4.0pp	12.2%	11.6%	12.6%	3%
Total Capital Ratio	10.4% -1.9pp YoY -1.4pp QoQ	-9.5pp	19.9%	19.6%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	125 +28 (+28.9%) YoY -3 (-2.3%) QoQ	+66	58	162	482	94%
Assets per Employee ($)	$6.8M -5.1% YoY +5.3% QoQ	-$682K	$7.5M	$8.0M	$8.8M	49%
Branch Count	15 +3 (+25.0%) YoY 0 QoQ	+10	4	10	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.6pp	0.9%	0.8%	1.0%	37%
Allowance Coverage	3.70x -26.4% YoY -26.4% QoQ	-20.45x	24.15x	10.47x	20.23x	63%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	13.2% +0.5pp YoY +1.4pp QoQ	+1.0pp	12.2%	14.3%	11.6%	57%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	73%
Net Income ($, YTD)	$5.0M +25.0% YoY — QoQ	+$2.4M	$2.6M	$11.3M	$40.4M	87%

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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

#257 of 1256 • Bottom 20.4% in tier

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

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $664.04M

Peer Median: $258.35M

#93 of 2643 Top 3.5% in $100M-$1B

145

Total Assets

size

Value: $854.49M

Peer Median: $386.57M

#145 of 2643 Top 5.4% in $100M-$1B

189

Total Deposits

size

Value: $694.09M

Peer Median: $326.73M

#189 of 2643 Top 7.1% in $100M-$1B

Top Weaknesses (2 metrics)

2547

Tier 1 Capital Ratio

capital

Value: 9.37%

Peer Median: 15.91%

#2547 of 2643 Bottom 3.7% in $100M-$1B

2237

Loan-to-Deposit Ratio

liquidity

Value: 95.67%

Peer Median: 77.95%

#2237 of 2643 Bottom 15.4% in $100M-$1B