BlastPoint's Banking Scorecard

Chillicothe State Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 15546

Chillicothe, MO

2 branches across MO

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

Chillicothe State Bank demonstrates 2 strengths

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

+ Efficiency Ratio 3.73% below tier average
+ Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$139.1M +1.3% YoY +1.9% QoQ	-$246.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 10.8% in tier
Total Loans ?	$71.9M +6.1% YoY +1.0% QoQ	-$183.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 8.1% in tier
Total Deposits ?	$127.0M +0.9% YoY +1.8% QoQ	-$201.0M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 14.3% in tier
Return on Assets ?	1.26% +8.7% YoY +5.0% QoQ	-0.01%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.97% +8.0% YoY +2.6% QoQ	+0.04%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	61.55% -0.5% YoY +0.2% QoQ	-3.73%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.79% -36.9% YoY -7.2% QoQ	-0.10%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	56.65% +5.2% YoY -0.7% QoQ	-19.99%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	29.84% +4.4% YoY -5.2% QoQ	+7.82%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	81%
Nonperforming Asset Ratio ?	0.41% -34.3% YoY -8.0% QoQ	-0.23%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	43%
Tier 1 Capital Ratio ?	19.87% -2.1% YoY +2.2% QoQ	+4.04%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 13.8% in tier
Non-Interest Income / Assets ?	0.10% +6.3% YoY -83.2% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	52%

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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 (0)

No matched concern signatures this quarter

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)

368

Tier 1 Capital Ratio

capital

Value: 19.87%

Peer Median: 15.83%

#368 of 2664 Top 13.8% in $100M-$1B

403

Loan-to-Deposit Ratio

liquidity

Value: 56.65%

Peer Median: 76.64%

#403 of 2664 Top 15.1% in $100M-$1B

500

Non-Interest-Bearing Deposit Share

funding

Value: 29.84%

Peer Median: 22.02%

#500 of 2664 Top 18.7% in $100M-$1B

Top Weaknesses (3 metrics)

2448

Total Loans

size

Value: $71.94M

Peer Median: $255.72M

#2448 of 2664 Bottom 8.1% in $100M-$1B

2377

Total Assets

size

Value: $139.13M

Peer Median: $386.08M

#2377 of 2664 Bottom 10.8% in $100M-$1B

2284

Total Deposits

size

Value: $127.01M

Peer Median: $327.97M

#2284 of 2664 Bottom 14.3% in $100M-$1B