BlastPoint's Banking Scorecard

Flat Branch Bank

under $100M Specialty: Other MO FDIC cert 15751

Designations: ✓ Community bank

Richmond, MO

2 branches across MO

537 banks in the under $100M peer group nationally 16 in MO

Flat Branch Bank has 3 strengths but faces 2 concerns

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Net Interest Margin 1.03% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 3.39% below tier average
- Efficiency Ratio 67.72% above tier average

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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 ?	$93.3M +5.1% YoY -2.7% QoQ	+$31.0M	$62.3M -0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	Top 8.4% in tier
Total Loans ?	$54.0M +77.2% YoY +12.9% QoQ	+$19.7M	$34.3M -1.5% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	82%
Total Deposits ?	$79.6M +2.4% YoY -2.3% QoQ	+$27.8M	$51.8M -0.6% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	Top 9.9% in tier
Return on Assets ?	-2.53%	-3.39%	0.86% -3.6% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	Bottom 3.5% in tier
Net Interest Margin ?	4.90% +30.4% YoY +21.3% QoQ	+1.03%	3.87% +2.7% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 12.5% in tier
Efficiency Ratio ?	155.35% +81.3% YoY +72.8% QoQ	+67.72%	87.63% +2.3% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	Bottom 3.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-1.36%	1.36% +33.7% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	67.90% +73.1% YoY +15.6% QoQ	+3.79%	64.11% -0.9% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	18.92% +35.4% YoY +7.2% QoQ	-4.87%	23.79% +0.5% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	36%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.77%	0.77% +28.7% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.97% -59.0% YoY -7.5% QoQ	-14.80%	26.77% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.06% -4.9% YoY -75.1% QoQ	-0.61%	0.67% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	47%

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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 537 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Total Assets

size

Value: $93.30M

Peer Median: $62.28M

#46 of 537 Top 8.4% in under $100M

Total Deposits

size

Value: $79.59M

Peer Median: $51.83M

#54 of 537 Top 9.9% in under $100M

Net Interest Margin

profitability

Value: 4.90%

Peer Median: 3.87%

#68 of 537 Top 12.5% in under $100M

Total Loans

size

Value: $54.04M

Peer Median: $34.29M

#99 of 537 Top 18.2% in under $100M

Top Weaknesses (3 metrics)

519

Return on Assets

profitability

Value: -2.53%

Peer Median: 0.86%

#519 of 537 Bottom 3.5% in under $100M

518

Efficiency Ratio

profitability

Value: 155.35%

Peer Median: 87.63%

#518 of 537 Bottom 3.7% in under $100M

417

Tier 1 Capital Ratio

capital

Value: 11.97%

Peer Median: 26.77%

#417 of 537 Bottom 22.5% in under $100M