BlastPoint's Banking Scorecard
The Hamilton Bank
Hamilton, MO
3 branches across MO
The Hamilton Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 4.14% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 32.3% in tier
- - Margin Compression: Bottom 59.7% in tier
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.1M
+8.2% YoY
+7.0% QoQ
|
-$266.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.9% in tier |
| Total Loans ? |
$51.4M
-3.1% YoY
-1.6% QoQ
|
-$204.3M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.2% in tier |
| Total Deposits ? |
$113.7M
+6.8% YoY
+7.8% QoQ
|
-$214.2M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.9% in tier |
| Return on Assets ? |
1.38%
-12.6% YoY
-8.2% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
3.68%
-1.4% YoY
-3.6% QoQ
|
-0.25% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
61.15%
+0.5% YoY
-1.7% QoQ
|
-4.14% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.51%
+36.9% YoY
-72.8% QoQ
|
-0.37% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
45.20%
-9.3% YoY
-8.7% QoQ
|
-31.43% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 6.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.72%
-1.2% YoY
-0.6% QoQ
|
+5.70% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.22%
+22.6% YoY
-75.0% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
17.19%
+2.6% YoY
+2.9% QoQ
|
+1.36% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.06%
-44.3% YoY
-81.9% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.