BlastPoint's Banking Scorecard
First Independent Bank
Aurora, MO
First Independent Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.09% below 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 ? |
$142.6M
+3.8% YoY
+2.3% QoQ
|
-$243.5M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.0% in tier |
| Total Loans ? |
$73.2M
-0.0% YoY
-0.2% QoQ
|
-$182.5M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.5% in tier |
| Total Deposits ? |
$126.7M
+2.8% YoY
+2.4% QoQ
|
-$201.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.1% in tier |
| Return on Assets ? |
1.26%
+56.7% YoY
+44.3% QoQ
|
-0.01% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.84%
+7.3% YoY
+1.3% QoQ
|
-0.09% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
61.65%
-8.0% YoY
-12.3% QoQ
|
-3.64% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? |
1.48%
+23.9% YoY
+20.6% QoQ
|
+0.60% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
57.77%
-2.8% YoY
-2.5% QoQ
|
-18.86% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
24.01%
+0.4% YoY
+3.2% QoQ
|
+1.99% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.76%
+19.3% YoY
+17.6% QoQ
|
+0.12% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
11.65%
+4.3% YoY
+1.2% QoQ
|
-4.18% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.12%
+55.0% YoY
-64.4% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
65% |
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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.