BlastPoint's Banking Scorecard
Sherwood Community Bank
Designations: ✓ Community bank
Creighton, MO
4 branches across MO
Sherwood Community Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.45% above tier average
- + Net Interest Margin 0.57% above tier average
- + Efficiency Ratio 16.77% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.36% above tier average
- - Delinquency Rate 1.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.7M
+4.9% YoY
+4.0% QoQ
|
+$15.6M |
$62.2M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$51.3M
+14.6% YoY
+4.3% QoQ
|
+$17.0M |
$34.2M
-1.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$71.7M
+5.8% YoY
+6.0% QoQ
|
+$19.9M |
$51.7M
-0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.29%
+176.8% YoY
+44.2% QoQ
|
+0.45% |
0.84%
-2.3% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
67% |
| Net Interest Margin ? |
4.43%
+18.0% YoY
+10.1% QoQ
|
+0.57% |
3.86%
+2.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
71.58%
-18.5% YoY
-9.3% QoQ
|
-16.77% |
88.34%
+0.3% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
3.26%
+208.4% YoY
+13.5% QoQ
|
+1.89% |
1.37%
+33.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.1% in tier |
| Loan-to-Deposit Ratio ? |
71.56%
+8.4% YoY
-1.6% QoQ
|
+7.35% |
64.22%
-0.7% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
29.43%
-5.3% YoY
+3.1% QoQ
|
+5.72% |
23.71%
+0.3% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
2.15%
+237.0% YoY
+13.9% QoQ
|
+1.36% |
0.79%
+28.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.2% in tier |
| Tier 1 Capital Ratio ? |
12.06%
-8.9% YoY
-5.4% QoQ
|
-14.62% |
26.68%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.09%
+9.9% YoY
-80.9% QoQ
|
-0.58% |
0.67%
+1.9% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
64% |
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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.