BlastPoint's Banking Scorecard
Neighbors Bank
Clarence, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +10.0% year over year ($82.1M on the books).
- Delinquency rate 1.38%.
- Return on assets -3.84%.
- Efficiency ratio 107.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 109.04% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Neighbors Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.4% in tier
- - Credit Risk Growth: Bottom 39.4% in tier
- - Return on Assets 5.16% below tier average
- - Net Interest Margin 1.46% below tier average
- - Loan-to-Deposit Ratio 31.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.6M
+4.5% YoY
+1.8% QoQ
|
-$270.9M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.4% in tier |
| Total Loans ? |
$89.5M
+8.0% YoY
+1.2% QoQ
|
-$168.8M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.7% in tier |
| Total Deposits ? |
$82.1M
+10.0% YoY
-5.4% QoQ
|
-$244.6M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.1% in tier |
| Return on Assets ? |
-3.84%
-256.3% YoY
+5.5% QoQ
|
-5.16% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.3% in tier |
| Net Interest Margin ? |
2.53%
-10.9% YoY
+5.7% QoQ
|
-1.46% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio ? |
107.44%
+12.7% YoY
-1.0% QoQ
|
+42.96% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate ? |
1.38%
+14.9% YoY
+4.8% QoQ
|
+0.47% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
109.04%
-1.9% YoY
+6.9% QoQ
|
+31.09% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.70%
+3.0% YoY
+4.2% QoQ
|
-9.33% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.12%
+17.6% YoY
+3.9% QoQ
|
+0.45% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.06%
-32.6% YoY
-8.3% QoQ
|
-4.85% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
24.81%
+27.6% YoY
+107.5% QoQ
|
+24.24% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Top 0.3% in tier |
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 |
12.7%
+0.4pp YoY +0.5pp QoQ |
-9.4pp | 22.1% | 20.9% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
0.4%
-0.2pp YoY +0.1pp QoQ |
-11.2pp | 11.6% | 12.3% | 12.5% | 2% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
82.5%
0.0pp YoY +0.1pp QoQ |
+49.9pp | 32.6% | 31.9% | 31.3% | 97% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 4.1% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.1%
-5.4pp YoY -1.0pp QoQ |
-1.1pp | 12.2% | 11.6% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
339
+113 (+50.0%) YoY -20 (-5.6%) QoQ |
+280 | 58 | 162 | 482 | 100% |
| Assets per Employee ($) |
$341,115
-30.3% YoY +7.8% QoQ |
-$7.2M | $7.5M | $8.0M | $8.8M | 0% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.4%
+0.2pp YoY +0.1pp QoQ |
+0.4pp | 0.9% | 0.8% | 1.0% | 80% |
| Allowance Coverage |
0.21x
-22.4% YoY 0.0% QoQ |
-23.94x | 24.15x | 10.47x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-35.2%
-51.6pp YoY +0.3pp QoQ |
-47.4pp | 12.2% | 14.3% | 11.6% | 0% |
| Cost of Funds (YTD) |
2.5%
+0.2pp YoY -0.1pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 89% |
| Net Income ($, YTD) |
$-2190000.0
-284.2% YoY — QoQ |
-$4.7M | $2.6M | $11.3M | $40.4M | 1% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.