BlastPoint's Banking Scorecard
Peoples Bank of Moniteau County
Designations: ✓ Community bank
Jamestown, 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 +3.9% year over year ($73.3M on the books).
- Delinquency rate 0.73%.
- Return on assets 1.38%.
- Efficiency ratio 53.94% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.85% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank of Moniteau County has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Efficiency Ratio 65.45% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.29% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.2M
+2.1% YoY
-1.4% QoQ
|
+$20.7M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$49.7M
+11.4% YoY
+2.9% QoQ
|
+$14.9M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$73.3M
+3.9% YoY
-1.3% QoQ
|
+$21.7M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.38%
+22.8% YoY
-1.4% QoQ
|
+0.38% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.62%
+15.9% YoY
+3.3% QoQ
|
-0.29% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
53.94%
-5.8% YoY
+3.5% QoQ
|
-65.45% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 14.9% in tier |
| Delinquency Rate ? |
0.73%
-18.1% YoY
-5.0% QoQ
|
-0.75% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
67.85%
+7.1% YoY
+4.3% QoQ
|
-6.36% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
23.80%
+2.6% YoY
-4.7% QoQ
|
+0.31% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.44%
-10.7% YoY
-0.8% QoQ
|
-0.40% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.12%
+4.5% YoY
-0.0% QoQ
|
-16.01% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.4% in tier |
| Non-Interest Income / Assets ? |
0.20%
-4.3% YoY
+100.5% QoQ
|
-1.18% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
71% |
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 |
23.8%
+0.6pp YoY -1.2pp QoQ |
-0.8pp | 24.6% | 20.9% | 22.2% | 50% |
| 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 |
5.9%
-2.1pp YoY -0.7pp QoQ |
-7.5pp | 13.4% | 12.3% | 12.5% | 26% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
32.5%
+0.9pp YoY +1.0pp QoQ |
-2.5pp | 35.0% | 31.9% | 31.3% | 52% |
| Consumer |
7.2%
-0.9pp YoY -0.2pp QoQ |
-0.4pp | 7.7% | 4.1% | 5.0% | 65% |
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 |
11.1%
+0.5pp YoY 0.0pp QoQ |
-6.6pp | 17.7% | 11.6% | 12.6% | 30% |
| 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 |
13
+1 (+8.3%) YoY 0 QoQ |
+1 | 12 | 162 | 482 | 62% |
| Assets per Employee ($) |
$6.4M
-5.7% YoY -1.4% QoQ |
+$209K | $6.2M | $8.0M | $8.8M | 57% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.2pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 0.8% | 1.0% | 50% |
| Allowance Coverage |
1.89x
+12.9% YoY +2.2% QoQ |
-4.52x | 6.41x | 10.47x | 20.23x | 60% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
+0.9pp YoY -0.3pp QoQ |
+7.4pp | 6.4% | 14.3% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$568,000
+28.8% YoY — QoQ |
+$250K | $317,817 | $11.3M | $40.4M | 81% |
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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.