BlastPoint's Banking Scorecard

The Bank of Missouri

$1B-$10B Specialty: Commercial MO FDIC cert 1617

Designations: ✓ Community bank

Perryville, MO

31 branches across MO

884 banks in the $1B-$10B peer group nationally 29 in MO

The Bank of Missouri has 1 strength but faces 5 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 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.9% in tier
- NIB Deposit Bleed: Bottom 44.4% in tier
- ROA 0.51% below tier average
- Net Interest Margin 0.71% below tier average
- Efficiency Ratio 15.79% 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 ?	$4.2B +41.3% YoY +39.6% QoQ	+$1.4B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$3.1B +50.6% YoY +46.5% QoQ	+$1.2B	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$3.6B +42.9% YoY +44.4% QoQ	+$1.3B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	0.85% +49.8% YoY -48.4% QoQ	-0.51%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.11% +17.9% YoY +2.7% QoQ	-0.71%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	76.85% -8.1% YoY +20.4% QoQ	+15.79%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Bottom 12.0% in tier
Delinquency Rate ?	0.25% +18.2% YoY -29.8% QoQ	-0.64%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	86.58% +5.4% YoY +1.4% QoQ	+2.38%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	17.02% -17.1% YoY -19.4% QoQ	-4.27%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.19% +20.4% YoY -26.4% QoQ	-0.49%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	10.90% -11.2% YoY -19.0% QoQ	-4.26%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.29% -29.5% YoY -89.7% QoQ	+0.04%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 14.0% in tier

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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 (2)

Credit Quality Pressure

risk

#57 of 513 • Bottom 10.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.25%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#17 of 36 • Bottom 44.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.02%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

125

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#125 of 884 Top 14.0% in $1B-$10B

153

Total Loans

size

Value: $3.13B

Peer Median: $1.96B

#153 of 884 Top 17.2% in $1B-$10B

155

Total Deposits

size

Value: $3.61B

Peer Median: $2.34B

#155 of 884 Top 17.4% in $1B-$10B

165

Total Assets

size

Value: $4.24B

Peer Median: $2.82B

#165 of 884 Top 18.6% in $1B-$10B

Top Weaknesses (4 metrics)

779

Efficiency Ratio

profitability

Value: 76.85%

Peer Median: 61.06%

#779 of 884 Bottom 12.0% in $1B-$10B

747

Tier 1 Capital Ratio

capital

Value: 10.90%

Peer Median: 15.16%

#747 of 884 Bottom 15.6% in $1B-$10B

697

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.82%

#697 of 884 Bottom 21.3% in $1B-$10B

680

Return on Assets

profitability

Value: 0.85%

Peer Median: 1.37%

#680 of 884 Bottom 23.2% in $1B-$10B