BlastPoint's Banking Scorecard
The Seymour Bank
Seymour, MO
3 branches across MO
The Seymour Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25.7% in tier
- - Credit Risk Growth: Bottom 38.8% in tier
- - Flatlined Growth: Bottom 44.5% in tier
- - ROA 0.27% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 3.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.0M
+0.8% YoY
-6.4% QoQ
|
-$161.1M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$135.4M
+4.3% YoY
+2.3% QoQ
|
-$120.3M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$185.7M
-0.5% YoY
-7.2% QoQ
|
-$142.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.00%
+52.9% YoY
+28.7% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.56%
+11.3% YoY
+3.2% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
68.45%
-13.8% YoY
-9.1% QoQ
|
+3.16% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.54%
-21.1% QoQ
|
-0.35% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
72.95%
+4.8% YoY
+10.2% QoQ
|
-3.69% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
28.19%
+7.7% YoY
+14.0% QoQ
|
+6.17% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.32%
-13.8% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
10.69%
+3.4% YoY
-2.9% QoQ
|
-5.14% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.16%
+12.5% YoY
-73.4% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.