BlastPoint's Banking Scorecard
First Independent Bank
Aurora, 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 +5.2% year over year ($131.4M on the books).
- Delinquency rate 1.01%.
- Return on assets 1.24%.
- Efficiency ratio 60.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Independent Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.08% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Net Interest Margin 0.13% below tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.6M
+5.7% YoY
+3.5% QoQ
|
-$238.9M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.4% in tier |
| Total Loans ? |
$72.8M
+1.2% YoY
-0.5% QoQ
|
-$185.5M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.0% in tier |
| Total Deposits ? |
$131.4M
+5.2% YoY
+3.7% QoQ
|
-$195.4M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.24%
+12.8% YoY
-1.7% QoQ
|
-0.08% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.86%
+5.6% YoY
+0.4% QoQ
|
-0.13% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
60.40%
-5.6% YoY
-2.0% QoQ
|
-4.08% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
1.01%
-28.6% YoY
-31.8% QoQ
|
+0.09% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
55.45%
-3.8% YoY
-4.0% QoQ
|
-22.50% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.96%
+2.5% YoY
-0.2% QoQ
|
+1.93% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.68%
-6.9% YoY
-10.7% QoQ
|
+0.01% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
11.63%
+3.6% YoY
-0.2% QoQ
|
-4.28% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.24%
+35.8% YoY
+94.3% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
24.0%
+0.6pp YoY 0.0pp QoQ |
+1.8pp | 22.1% | 20.9% | 22.2% | 62% |
| 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 |
13.1%
+1.1pp YoY -1.7pp QoQ |
+1.5pp | 11.6% | 12.3% | 12.5% | 68% |
| CRE |
23.2%
+2.8pp YoY +3.0pp QoQ |
-16.4pp | 39.5% | 36.8% | 41.4% | 23% |
| 1-4 Family |
48.2%
-2.0pp YoY -1.1pp QoQ |
+15.6pp | 32.6% | 31.9% | 31.3% | 80% |
| Consumer |
7.1%
-1.8pp YoY -0.3pp QoQ |
+3.0pp | 4.1% | 4.1% | 5.0% | 86% |
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 |
11.6%
+0.4pp YoY 0.0pp QoQ |
-0.5pp | 12.2% | 11.6% | 12.6% | 60% |
| 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 |
24
0 YoY 0 QoQ |
-35 | 58 | 162 | 482 | 17% |
| Assets per Employee ($) |
$6.2M
+5.7% YoY +3.5% QoQ |
-$1.4M | $7.5M | $8.0M | $8.8M | 36% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.3% | 0.3% | 0.4% | 73% |
| Nonaccrual |
0.7%
-0.4pp YoY -0.4pp QoQ |
-0.2pp | 0.9% | 0.8% | 1.0% | 63% |
| Allowance Coverage |
1.47x
+46.7% YoY +44.3% QoQ |
-22.69x | 24.15x | 10.47x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.2pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+0.5pp YoY -0.1pp QoQ |
-0.8pp | 12.2% | 14.3% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 40% |
| Net Income ($, YTD) |
$887,000
+18.1% YoY — QoQ |
-$1.7M | $2.6M | $11.3M | $40.4M | 23% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.