BlastPoint's Banking Scorecard

Mid-Missouri Bank

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

Springfield, MO

14 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 +1.9% year over year ($844.3M on the books).
Delinquency rate 0.07%.
Return on assets 1.63%.
Efficiency ratio 58.89% vs a 64.48% peer average.
Loan-to-deposit ratio 79.57% 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) →

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 28.9% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.55% above tier average
+ Efficiency Ratio 5.59% below tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 18.68% below tier average

Get updates when Mid-Missouri Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$946.7M +2.2% YoY +1.0% QoQ	+$560.2M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 1.9% in tier
Total Loans ?	$671.8M +3.2% YoY +2.5% QoQ	+$413.5M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 3.3% in tier
Total Deposits ?	$844.3M +1.9% YoY +0.9% QoQ	+$517.5M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 0.8% in tier
Return on Assets ?	1.63% +1.8% YoY -2.7% QoQ	+0.31%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	4.53% +3.2% YoY +1.8% QoQ	+0.55%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	58.89% +1.2% YoY +2.0% QoQ	-5.59%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.07% -76.8% YoY -13.4% QoQ	-0.85%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	79.57% +1.3% YoY +1.6% QoQ	+1.62%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	3.35% +92.9% YoY -23.7% QoQ	-18.68%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 2.2% in tier
Nonperforming Asset Ratio ?	0.05% -79.9% YoY -12.1% QoQ	-0.62%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	14.89% +1.6% YoY +0.7% QoQ	-1.02%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.57% +7.4% YoY +85.3% QoQ	+0.01%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 7.4% in tier

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	3.3% +1.6pp YoY -1.0pp QoQ	-18.8pp	22.1%	20.9%	22.2%	2%
Brokered Deposits	2.3% -1.9pp YoY -0.9pp QoQ	-5.6pp	7.9%	7.4%	8.5%	32%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	5.0% -1.7pp YoY -1.0pp QoQ	-6.6pp	11.6%	12.3%	12.5%	20%
CRE	42.9% -1.0pp YoY 0.0pp QoQ	+3.3pp	39.5%	36.8%	41.4%	58%
1-4 Family	27.7% +1.1pp YoY +0.5pp QoQ	-5.0pp	32.6%	31.9%	31.3%	46%
Consumer	1.0% 0.0pp YoY 0.0pp QoQ	-3.1pp	4.1%	4.1%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	14.9% +0.2pp YoY +0.1pp QoQ	-3.9pp	18.8%	18.5%	19.7%	48%
Leverage Ratio	10.8% +0.5pp YoY +0.2pp QoQ	-1.4pp	12.2%	11.6%	12.6%	46%
Total Capital Ratio	16.1% +0.3pp YoY +0.1pp QoQ	-3.8pp	19.9%	19.6%	20.8%	49%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	205 +5 (+2.5%) YoY 0 QoQ	+146	58	162	482	99%
Assets per Employee ($)	$4.6M -0.3% YoY +1.0% QoQ	-$2.9M	$7.5M	$8.0M	$8.8M	9%
Branch Count	14 0 YoY 0 QoQ	+9	4	10	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.1% -0.2pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	15%
Allowance Coverage	16.51x +339.6% YoY +16.0% QoQ	-7.64x	24.15x	10.47x	20.23x	87%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	15.6% -0.7pp YoY -0.5pp QoQ	+3.4pp	12.2%	14.3%	11.6%	71%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	16%
Net Income ($, YTD)	$7.6M +2.2% YoY — QoQ	+$5.1M	$2.6M	$11.3M	$40.4M	97%

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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

#192 of 661 • Top 28.9% 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: 0.57%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.63%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Total Deposits

size

Value: $844.28M

Peer Median: $326.73M

#21 of 2643 Top 0.8% in $100M-$1B

Total Assets

size

Value: $946.74M

Peer Median: $386.57M

#52 of 2643 Top 1.9% in $100M-$1B

Total Loans

size

Value: $671.83M

Peer Median: $258.35M

#88 of 2643 Top 3.3% in $100M-$1B

196

Non-Interest Income / Assets

revenue_mix

Value: 0.57%

Peer Median: 0.57%

#196 of 2643 Top 7.4% in $100M-$1B

507

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.99%

#507 of 2643 Top 19.1% in $100M-$1B

577

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.67%

#577 of 2643 Top 21.8% in $100M-$1B

613

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.92%

#613 of 2633 Top 23.2% in $100M-$1B

Top Weaknesses (1 metrics)

2586

Non-Interest-Bearing Deposit Share

funding

Value: 3.35%

Peer Median: 22.03%

#2586 of 2643 Bottom 2.2% in $100M-$1B