BlastPoint's Banking Scorecard

First State Community Bank

$1B-$10B Specialty: Commercial MO FDIC cert 17323

Designations: ✓ Community bank

Farmington, MO

53 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +5.9% year over year ($3.8B on the books).
Delinquency rate 1.08%.
Return on assets 1.82%.
Efficiency ratio 48.77% vs a 59.73% peer average.
Loan-to-deposit ratio 90.40% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

First State Community Bank has 3 strengths but faces 2 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

+ Revenue Diversifier: Top 33.3% in tier
+ ROA 0.43% above tier average
+ Efficiency Ratio 10.96% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.4% in tier
- Delinquency Rate 0.22% above tier average

Get updates when First State Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$4.5B +6.2% YoY -0.1% QoQ	+$1.7B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$3.4B +7.1% YoY +1.0% QoQ	+$1.5B	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$3.8B +5.9% YoY -0.3% QoQ	+$1.5B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	1.82% +4.5% YoY +5.2% QoQ	+0.43%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.83% +3.1% YoY +2.6% QoQ	-0.04%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	48.77% -4.5% YoY -0.4% QoQ	-10.96%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	1.08% +108.7% YoY +3.6% QoQ	+0.22%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	90.40% +1.1% YoY +1.3% QoQ	+5.36%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	22.69% -0.8% YoY +0.5% QoQ	+1.42%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.87% +114.8% YoY +7.9% QoQ	+0.20%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	14.35% +4.3% YoY +4.2% QoQ	-0.49%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.68% +1.2% YoY +101.9% QoQ	+0.15%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 11.5% in tier

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	22.7% -0.2pp YoY +0.1pp QoQ	+1.3pp	21.4%	20.9%	22.2%	63%
Brokered Deposits	1.7% +0.4pp YoY -0.4pp QoQ	-7.8pp	9.5%	7.4%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	8.3% -0.4pp YoY 0.0pp QoQ	-5.7pp	14.0%	12.3%	12.5%	36%
CRE	49.2% +3.0pp YoY 0.0pp QoQ	-0.8pp	50.0%	36.8%	41.4%	47%
1-4 Family	28.3% -2.0pp YoY 0.0pp QoQ	+1.9pp	26.4%	31.9%	31.3%	62%
Consumer	2.0% -0.2pp YoY -0.1pp QoQ	-2.8pp	4.7%	4.1%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	14.3% +0.6pp YoY +0.6pp QoQ	-1.2pp	15.6%	18.5%	19.7%	63%
Leverage Ratio	11.7% +0.3pp YoY +0.2pp QoQ	+0.4pp	11.3%	11.6%	12.6%	72%
Total Capital Ratio	15.4% +0.7pp YoY +0.6pp QoQ	-1.3pp	16.7%	19.6%	20.8%	62%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	703 -9 (-1.3%) YoY +4 (+0.6%) QoQ	+389	313	162	482	93%
Assets per Employee ($)	$6.4M +7.5% YoY -0.7% QoQ	-$4.1M	$10.5M	$8.0M	$8.8M	16%
Branch Count	53 0 YoY 0 QoQ	+33	20	10	18	94%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.1% +0.6pp YoY 0.0pp QoQ	+0.3pp	0.8%	0.8%	1.0%	76%
Allowance Coverage	1.00x -45.9% YoY -0.3% QoQ	-17.71x	18.71x	10.47x	20.23x	24%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.3%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	14.9% -0.2pp YoY +0.6pp QoQ	+2.3pp	12.6%	14.3%	11.6%	73%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.8%	1.7%	34%
Net Income ($, YTD)	$41.0M +11.1% YoY — QoQ	+$21.7M	$19.2M	$11.3M	$40.4M	89%

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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)

Revenue Diversifier

growth

#75 of 222 • Top 33.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.68%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.82%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (1)

Liquidity Strain

risk

#89 of 361 • Bottom 24.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.40%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (6 metrics)

103

Non-Interest Income / Assets

revenue_mix

Value: 0.68%

Peer Median: 0.53%

#103 of 885 Top 11.5% in $1B-$10B

136

Total Loans

size

Value: $3.42B

Peer Median: $1.96B

#136 of 885 Top 15.3% in $1B-$10B

142

Total Deposits

size

Value: $3.78B

Peer Median: $2.32B

#142 of 885 Top 15.9% in $1B-$10B

146

Total Assets

size

Value: $4.51B

Peer Median: $2.79B

#146 of 885 Top 16.4% in $1B-$10B

150

Return on Assets

profitability

Value: 1.82%

Peer Median: 1.39%

#150 of 885 Top 16.8% in $1B-$10B

179

Efficiency Ratio

profitability

Value: 48.77%

Peer Median: 59.73%

#179 of 885 Top 20.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available