BlastPoint's Banking Scorecard
Flat Branch Bank
Designations: ✓ Community bank
Richmond, MO
2 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits -5.7% year over year ($79.2M on the books).
- Delinquency rate 0.00%.
- Return on assets -0.96%.
- Efficiency ratio 115.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.57% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Flat Branch Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.83% above tier average
- + Efficiency Ratio 3.84% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.96% below tier average
- - Efficiency Ratio 3.84% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.8M
-1.4% YoY
-0.5% QoQ
|
+$30.4M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 10.3% in tier |
| Total Loans ? |
$57.5M
+55.8% YoY
+6.4% QoQ
|
+$22.6M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$79.2M
-5.7% YoY
-0.5% QoQ
|
+$27.6M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Top 10.1% in tier |
| Return on Assets ? |
-0.96%
-332.5% YoY
+62.2% QoQ
|
-1.96% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.5% in tier |
| Net Interest Margin ? |
4.74%
+24.5% YoY
-3.2% QoQ
|
+0.83% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
115.56%
+24.4% YoY
-25.6% QoQ
|
-3.84% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.57%
+65.2% YoY
+6.9% QoQ
|
-1.64% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
16.96%
+34.6% YoY
-10.3% QoQ
|
-6.53% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.58%
-45.7% YoY
+5.0% QoQ
|
-14.55% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.12%
+3.2% YoY
+108.5% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
17.0%
+4.4pp YoY -2.0pp QoQ |
-7.7pp | 24.6% | 20.9% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
+0.1pp YoY +2.7pp QoQ |
+3.4pp | 13.4% | 12.3% | 12.5% | 74% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
53.1%
-10.3pp YoY -4.8pp QoQ |
+18.1pp | 35.0% | 31.9% | 31.3% | 74% |
| Consumer |
1.6%
-0.9pp YoY +0.1pp QoQ |
-6.1pp | 7.7% | 4.1% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
12.6%
+4.3pp YoY +0.6pp QoQ |
-5.1pp | 17.7% | 11.6% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
-5 (-23.8%) YoY -4 (-20.0%) QoQ |
+4 | 12 | 162 | 482 | 77% |
| Assets per Employee ($) |
$5.8M
+29.5% YoY +24.3% QoQ |
-$388K | $6.2M | $8.0M | $8.8M | 46% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-6.7%
-4.6pp YoY +11.0pp QoQ |
-13.0pp | 6.4% | 14.3% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$-450000.0
-354.5% YoY — QoQ |
-$768K | $317,817 | $11.3M | $40.4M | 4% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.