BlastPoint's Banking Scorecard
Sherwood Community Bank
Designations: ✓ Community bank
Creighton, MO
4 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 +7.7% year over year ($71.6M on the books).
- Delinquency rate 1.31%.
- Return on assets 1.54%.
- Efficiency ratio 65.26% vs a 119.40% peer average.
- Loan-to-deposit ratio 72.41% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sherwood Community Bank shows strong momentum with 4 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 1.03% above tier average
- + Efficiency Ratio 54.14% below tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.9M
+6.5% YoY
+0.2% QoQ
|
+$15.5M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$51.8M
+20.8% YoY
+1.1% QoQ
|
+$16.9M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$71.6M
+7.7% YoY
-0.1% QoQ
|
+$20.0M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
1.54%
+143.9% YoY
+19.7% QoQ
|
+0.54% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.94%
+27.9% YoY
+11.5% QoQ
|
+1.03% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 14.4% in tier |
| Efficiency Ratio ? |
65.26%
-22.3% YoY
-8.8% QoQ
|
-54.14% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
1.31%
+27.8% YoY
-59.8% QoQ
|
-0.17% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
72.41%
+12.1% YoY
+1.2% QoQ
|
-1.80% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
29.20%
-1.0% YoY
-0.8% QoQ
|
+5.71% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.87%
+44.9% YoY
-59.5% QoQ
|
+0.03% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
12.78%
-4.7% YoY
+6.0% QoQ
|
-14.34% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.17%
+0.7% YoY
+95.1% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
64% |
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 |
29.2%
-0.3pp YoY -0.2pp QoQ |
+4.6pp | 24.6% | 20.9% | 22.2% | 71% |
| 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 |
15.3%
+3.8pp YoY +2.0pp QoQ |
+1.9pp | 13.4% | 12.3% | 12.5% | 70% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
47.0%
-2.4pp YoY +2.7pp QoQ |
+12.0pp | 35.0% | 31.9% | 31.3% | 70% |
| Consumer |
1.9%
-0.5pp YoY -0.1pp QoQ |
-5.8pp | 7.7% | 4.1% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.8%
-0.6pp YoY +0.7pp QoQ |
-25.9pp | 38.7% | 18.5% | 19.7% | 10% |
| Leverage Ratio |
9.0%
+0.5pp YoY +0.8pp QoQ |
-8.7pp | 17.7% | 11.6% | 12.6% | 8% |
| Total Capital Ratio |
13.6%
-0.8pp YoY +0.7pp QoQ |
-26.0pp | 39.7% | 19.6% | 20.8% | 9% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
0 YoY 0 QoQ |
+7 | 12 | 162 | 482 | 87% |
| Assets per Employee ($) |
$4.1M
+6.5% YoY +0.2% QoQ |
-$2.1M | $6.2M | $8.0M | $8.8M | 22% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 10 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.3pp YoY +0.2pp QoQ |
+0.1pp | 1.0% | 0.3% | 0.4% | 76% |
| Nonaccrual |
0.3%
0.0pp YoY -2.1pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 28% |
| Allowance Coverage |
0.63x
-31.8% YoY +157.7% QoQ |
-5.78x | 6.41x | 10.47x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.9%
+10.3pp YoY +3.0pp QoQ |
+13.5pp | 6.4% | 14.3% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 44% |
| Net Income ($, YTD) |
$591,000
+155.8% YoY — QoQ |
+$273K | $317,817 | $11.3M | $40.4M | 82% |
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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.