BlastPoint's Banking Scorecard
Peoples Bank of Wyaconda, Missouri
Kahoka, 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 +4.3% year over year ($131.3M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.34%.
- Efficiency ratio 53.27% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank of Wyaconda, Missouri shows strong momentum with 2 strengths and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.21% below tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.5M
+5.2% YoY
+2.4% QoQ
|
-$238.1M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.7% in tier |
| Total Loans ? |
$105.7M
+15.2% YoY
+4.7% QoQ
|
-$152.6M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$131.3M
+4.3% YoY
+2.4% QoQ
|
-$195.4M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.34%
+18.9% YoY
-5.6% QoQ
|
+0.02% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.98%
+9.7% YoY
+1.2% QoQ
|
-0.01% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
53.27%
-4.6% YoY
+0.0% QoQ
|
-11.21% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.02%
-94.5% YoY
-84.7% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
80.50%
+10.5% YoY
+2.2% QoQ
|
+2.55% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
11.99%
-4.0% YoY
-4.9% QoQ
|
-10.04% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-94.0% YoY
-84.3% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 14.2% in tier |
| Tier 1 Capital Ratio ? |
10.56%
+2.0% YoY
+2.3% QoQ
|
-5.35% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.11%
+7.7% YoY
+93.0% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
12.0%
-0.5pp YoY -0.6pp QoQ |
-10.2pp | 22.1% | 20.9% | 22.2% | 14% |
| Brokered Deposits |
2.7%
+1.2pp YoY |
-5.2pp | 7.9% | 7.4% | 8.5% | 36% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.5%
-1.1pp YoY +0.2pp QoQ |
-6.1pp | 11.6% | 12.3% | 12.5% | 23% |
| CRE |
6.1%
+1.5pp YoY +0.4pp QoQ |
-33.4pp | 39.5% | 36.8% | 41.4% | 2% |
| 1-4 Family |
24.0%
-3.5pp YoY -1.4pp QoQ |
-8.7pp | 32.6% | 31.9% | 31.3% | 39% |
| Consumer |
4.7%
-0.8pp YoY +0.2pp QoQ |
+0.6pp | 4.1% | 4.1% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
10.6%
+0.2pp YoY +0.2pp QoQ |
-1.6pp | 12.2% | 11.6% | 12.6% | 42% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
0 YoY +1 (+3.8%) QoQ |
-32 | 58 | 162 | 482 | 22% |
| Assets per Employee ($) |
$5.5M
+5.2% YoY -1.4% QoQ |
-$2.0M | $7.5M | $8.0M | $8.8M | 22% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 22% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
115.71x
+1531.2% YoY +540.8% QoQ |
+91.55x | 24.15x | 10.47x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.3pp | 0.1% | 0.3% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+1.7pp YoY -0.8pp QoQ |
+1.0pp | 12.2% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 78% |
| Net Income ($, YTD) |
$977,000
+23.0% YoY — QoQ |
-$1.6M | $2.6M | $11.3M | $40.4M | 26% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.