BlastPoint's Banking Scorecard

The Bank of Old Monroe

$100M-$1B Specialty: Commercial MO FDIC cert 1655

Old Monroe, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

The Bank of Old Monroe has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 0.6% in tier
+ ROA 0.50% above tier average
+ Efficiency Ratio 15.02% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.7% in tier
- Cost Spiral: Bottom 15.1% in tier
- Margin Compression: Bottom 63.6% in tier
- Net Interest Margin 0.23% below 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 ?	$994.6M +7.3% YoY +4.6% QoQ	+$608.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 0.1% in tier
Total Loans ?	$644.3M +22.6% YoY +3.3% QoQ	+$388.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 4.4% in tier
Total Deposits ?	$924.2M +6.7% YoY +9.9% QoQ	+$596.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 0.1% in tier
Return on Assets ?	1.77% -17.3% YoY -16.6% QoQ	+0.50%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	3.70% +4.0% YoY -3.9% QoQ	-0.23%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	50.27% +19.1% YoY +16.8% QoQ	-15.02%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.08% +64.8% QoQ	-0.80%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	69.71% +14.9% YoY -6.0% QoQ	-6.93%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	22.25% -1.8% YoY -11.5% QoQ	+0.23%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.05% +62.6% QoQ	-0.58%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	10.68% +1.1% YoY -1.0% QoQ	-5.15%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.10% +2.4% YoY -76.5% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	51%

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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 (1)

Credit Quality Leader

growth

#5 of 664 • Top 0.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#180 of 1308 • Bottom 13.7% in tier

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

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Cost Spiral

risk

#20 of 126 • Bottom 15.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 50.27%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#195 of 305 • Bottom 63.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.77%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Total Deposits

size

Value: $924.22M

Peer Median: $327.97M

#1 of 2664 Top 0.1% in $100M-$1B

Total Assets

size

Value: $994.60M

Peer Median: $386.08M

#4 of 2664 Top 0.1% in $100M-$1B

117

Total Loans

size

Value: $644.28M

Peer Median: $255.72M

#117 of 2664 Top 4.4% in $100M-$1B

437

Efficiency Ratio

profitability

Value: 50.27%

Peer Median: 65.29%

#437 of 2664 Top 16.4% in $100M-$1B

535

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.27%

#535 of 2664 Top 20.0% in $100M-$1B

607

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#607 of 2664 Top 22.7% in $100M-$1B

648

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#648 of 2654 Top 24.4% in $100M-$1B

Top Weaknesses (1 metrics)

2166

Tier 1 Capital Ratio

capital

Value: 10.68%

Peer Median: 15.83%

#2166 of 2664 Bottom 18.7% in $100M-$1B