BlastPoint's Banking Scorecard
Bank of Billings
Billings, MO
2 branches across MO
Bank of Billings has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 58.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 44.9% in tier
- - Efficiency Ratio 5.44% above tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.2M
+7.4% YoY
+8.1% QoQ
|
-$282.8M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.2% in tier |
| Total Loans ? |
$77.2M
+8.6% YoY
+0.4% QoQ
|
-$178.5M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.9% in tier |
| Total Deposits ? |
$89.8M
+7.8% YoY
+9.5% QoQ
|
-$238.1M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.6% in tier |
| Return on Assets ? |
1.03%
-10.0% YoY
-17.7% QoQ
|
-0.24% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
5.18%
-5.1% YoY
-8.9% QoQ
|
+1.25% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 5.1% in tier |
| Efficiency Ratio ? |
70.72%
+2.9% YoY
+7.4% QoQ
|
+5.44% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.49%
+252.0% YoY
+71.3% QoQ
|
+0.60% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
85.93%
+0.8% YoY
-8.3% QoQ
|
+9.29% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
28.81%
-20.4% YoY
-0.3% QoQ
|
+6.79% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.42%
+354.6% YoY
+37.6% QoQ
|
+0.78% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.7% in tier |
| Tier 1 Capital Ratio ? |
10.07%
+0.0% YoY
-5.6% QoQ
|
-5.76% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.4% in tier |
| Non-Interest Income / Assets ? |
0.08%
+5.3% YoY
-75.3% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
42% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.