BlastPoint's Banking Scorecard

Security Bank of Pulaski County

$100M-$1B Specialty: Commercial MO FDIC cert 15347

Saint Robert, MO

3 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 -0.1% year over year ($146.4M on the books).
Delinquency rate 1.22%.
Return on assets 0.89%.
Efficiency ratio 71.42% vs a 64.48% peer average.
Loan-to-deposit ratio 66.14% 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) →

Security Bank of Pulaski County has 1 strength but faces 4 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 0.16% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 39.9% in tier
- ROA 0.43% below tier average
- Efficiency Ratio 6.94% above tier average
- Delinquency Rate 0.30% above tier average

Get updates when Security Bank of Pulaski County releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$162.9M +1.2% YoY +0.3% QoQ	-$223.6M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$96.8M +5.9% YoY +2.6% QoQ	-$161.5M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$146.4M -0.1% YoY +0.0% QoQ	-$180.3M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	0.89% -1.3% YoY -8.7% QoQ	-0.43%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	4.15% +2.6% YoY +0.9% QoQ	+0.16%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	71.42% -1.7% YoY +3.0% QoQ	+6.94%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	27%
Delinquency Rate ?	1.22% +98.3% YoY +24.0% QoQ	+0.30%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	66.14% +6.0% YoY +2.5% QoQ	-11.82%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	75%
Non-Interest-Bearing Deposit Share ?	25.38% +1.5% YoY +4.3% QoQ	+3.35%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	1.10% +85.7% YoY +16.0% QoQ	+0.43%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	18%
Tier 1 Capital Ratio ?	13.55% +3.6% YoY +1.7% QoQ	-2.36%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.21% -0.6% YoY +96.0% QoQ	-0.36%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	52%

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	25.4% +0.4pp YoY +1.1pp QoQ	+3.2pp	22.1%	20.9%	22.2%	67%
Brokered Deposits	5.6% +1.0pp YoY -0.2pp QoQ	-2.3pp	7.9%	7.4%	8.5%	56%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	11.4% +2.2pp YoY +1.4pp QoQ	-0.2pp	11.6%	12.3%	12.5%	60%
CRE	34.9% +0.6pp YoY -0.4pp QoQ	-4.6pp	39.5%	36.8%	41.4%	43%
1-4 Family	28.2% -1.1pp YoY -0.9pp QoQ	-4.5pp	32.6%	31.9%	31.3%	47%
Consumer	9.1% -0.4pp YoY -0.2pp QoQ	+5.0pp	4.1%	4.1%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.5pp YoY +0.2pp QoQ	-5.3pp	18.8%	18.5%	19.7%	34%
Leverage Ratio	8.9% +0.6pp YoY +0.2pp QoQ	-3.3pp	12.2%	11.6%	12.6%	11%
Total Capital Ratio	14.8% +0.5pp YoY +0.3pp QoQ	-5.1pp	19.9%	19.6%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	29 +1 (+3.6%) YoY 0 QoQ	-30	58	162	482	25%
Assets per Employee ($)	$5.6M -2.2% YoY +0.3% QoQ	-$1.9M	$7.5M	$8.0M	$8.8M	25%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.3%	0.4%	18%
Nonaccrual	1.2% +0.6pp YoY +0.2pp QoQ	+0.3pp	0.9%	0.8%	1.0%	76%
Allowance Coverage	1.15x -47.4% YoY -16.3% QoQ	-23.01x	24.15x	10.47x	20.23x	31%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.3%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	10.9% -2.3pp YoY -1.2pp QoQ	-1.3pp	12.2%	14.3%	11.6%	42%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	62%
Net Income ($, YTD)	$733,000 +0.1% YoY — QoQ	-$1.8M	$2.6M	$11.3M	$40.4M	17%

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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)

Flatlined Growth

risk

#212 of 529 • Bottom 39.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.89%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 (1 metrics)

660

Loan-to-Deposit Ratio

liquidity

Value: 66.14%

Peer Median: 77.95%

#660 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (5 metrics)

2177

Total Loans

size

Value: $96.84M

Peer Median: $258.35M

#2177 of 2643 Bottom 17.7% in $100M-$1B

2176

Total Assets

size

Value: $162.93M

Peer Median: $386.57M

#2176 of 2643 Bottom 17.7% in $100M-$1B

2162

Nonperforming Asset Ratio

credit_quality

Value: 1.10%

Peer Median: 0.67%

#2162 of 2643 Bottom 18.2% in $100M-$1B

2103

Total Deposits

size

Value: $146.43M

Peer Median: $326.73M

#2103 of 2643 Bottom 20.5% in $100M-$1B

2007

Delinquency Rate

credit_quality

Value: 1.22%

Peer Median: 0.92%

#2007 of 2633 Bottom 23.8% in $100M-$1B