BlastPoint's Banking Scorecard

Mid-Missouri Bank

$100M-$1B Specialty: Commercial MO FDIC cert 15584

Springfield, MO

14 branches across MO

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

Mid-Missouri Bank has 5 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 22.2% in tier
+ ROA 0.40% above tier average
+ Net Interest Margin 0.52% above tier average
+ Efficiency Ratio 7.57% below tier average
+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 17.63% below tier average

Get updates when Mid-Missouri Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$937.6M -0.2% YoY +1.1% QoQ	+$551.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 2.4% in tier
Total Loans ?	$655.6M +1.7% YoY +0.7% QoQ	+$399.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 4.0% in tier
Total Deposits ?	$836.9M -0.8% YoY +1.2% QoQ	+$508.9M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 1.1% in tier
Return on Assets ?	1.67% +10.6% YoY +18.3% QoQ	+0.40%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	4.45% +3.9% YoY +0.0% QoQ	+0.52%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	57.72% -0.2% YoY -8.9% QoQ	-7.57%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.08% -76.6% YoY -64.0% QoQ	-0.80%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	78.34% +2.6% YoY -0.5% QoQ	+1.70%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	4.39% +23.9% YoY +218.6% QoQ	-17.63%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 3.1% in tier
Nonperforming Asset Ratio ?	0.06% -80.6% YoY -69.1% QoQ	-0.58%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	14.79% +3.4% YoY +1.4% QoQ	-1.04%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.31% +17.3% YoY -71.8% QoQ	+0.03%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 6.3% in tier

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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 (1)

Revenue Diversifier

growth

#149 of 666 • Top 22.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.31%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.67%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (8 metrics)

Total Deposits

size

Value: $836.87M

Peer Median: $327.97M

#29 of 2664 Top 1.1% in $100M-$1B

Total Assets

size

Value: $937.58M

Peer Median: $386.08M

#66 of 2664 Top 2.4% in $100M-$1B

108

Total Loans

size

Value: $655.62M

Peer Median: $255.72M

#108 of 2664 Top 4.0% in $100M-$1B

170

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.28%

#170 of 2664 Top 6.3% in $100M-$1B

526

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.93%

#526 of 2664 Top 19.7% in $100M-$1B

635

Return on Assets

profitability

Value: 1.67%

Peer Median: 1.27%

#635 of 2664 Top 23.8% in $100M-$1B

635

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#635 of 2664 Top 23.8% in $100M-$1B

652

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#652 of 2654 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2582

Non-Interest-Bearing Deposit Share

funding

Value: 4.39%

Peer Median: 22.02%

#2582 of 2664 Bottom 3.1% in $100M-$1B