BlastPoint's Banking Scorecard
Peoples Bank of Wyaconda, Missouri
Kahoka, MO
3 branches across MO
Peoples Bank of Wyaconda, Missouri has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Efficiency Ratio 12.03% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$145.0M
+2.6% YoY
+1.4% QoQ
|
-$241.1M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.9% in tier |
| Total Loans ? |
$101.0M
+9.9% YoY
+5.3% QoQ
|
-$154.7M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$128.2M
+1.5% YoY
+2.9% QoQ
|
-$199.7M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.7% in tier |
| Return on Assets ? |
1.42%
+22.3% YoY
+17.7% QoQ
|
+0.15% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.93%
+11.8% YoY
+3.6% QoQ
|
+0.00% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
53.25%
-1.4% YoY
-5.0% QoQ
|
-12.03% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.10%
-64.9% YoY
-5.0% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
78.73%
+8.3% YoY
+2.3% QoQ
|
+2.09% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
12.60%
+9.9% YoY
-3.1% QoQ
|
-9.42% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.07%
-62.4% YoY
-1.4% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
10.32%
+2.2% YoY
+0.1% QoQ
|
-5.51% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.0% in tier |
| Non-Interest Income / Assets ? |
0.06%
+11.0% YoY
-75.5% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.