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

884 banks in the $1B-$10B peer group nationally 29 in 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 33.5% in tier
+ ROA 0.37% above tier average
+ Efficiency Ratio 12.08% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.09% below tier average
- Delinquency Rate 0.16% above tier average

Get updates when First State Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$4.5B +7.1% YoY +1.0% QoQ	+$1.7B	$2.8B -0.1% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$3.4B +8.3% YoY +1.7% QoQ	+$1.4B	$2.0B +0.6% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$3.8B +6.7% YoY +1.0% QoQ	+$1.4B	$2.3B -0.3% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.73% +0.7% YoY -0.6% QoQ	+0.37%	1.37% +19.6% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	3.73% +3.9% YoY -2.5% QoQ	-0.09%	3.82% +6.9% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	48.98% -3.3% YoY -4.0% QoQ	-12.08%	61.06% -4.6% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	1.04% +163.9% YoY +78.0% QoQ	+0.16%	0.89% +14.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	89.24% +1.5% YoY +0.6% QoQ	+5.04%	84.20% +0.3% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	22.59% -1.4% YoY +3.6% QoQ	+1.30%	21.29% -2.5% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.81% +160.3% YoY +78.9% QoQ	+0.13%	0.67% +15.6% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	13.77% +1.8% YoY -1.8% QoQ	-1.39%	15.16% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.33% -4.0% YoY -73.5% QoQ	+0.08%	0.26% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 11.1% 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 (1)

Revenue Diversifier

growth

#75 of 221 • Top 33.5% 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: 0.33%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.73%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.26%

#99 of 884 Top 11.1% in $1B-$10B

140

Total Loans

size

Value: $3.38B

Peer Median: $1.96B

#140 of 884 Top 15.7% in $1B-$10B

146

Total Deposits

size

Value: $3.79B

Peer Median: $2.34B

#146 of 884 Top 16.4% in $1B-$10B

149

Total Assets

size

Value: $4.51B

Peer Median: $2.82B

#149 of 884 Top 16.7% in $1B-$10B

168

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.37%

#168 of 884 Top 18.9% in $1B-$10B

172

Efficiency Ratio

profitability

Value: 48.98%

Peer Median: 61.06%

#172 of 884 Top 19.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available