BlastPoint's Banking Scorecard

Regional Missouri Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 18385

Marceline, MO

11 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Regional Missouri Bank has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 11.9% in tier
+ Profitability Leader: Top 40.5% in tier
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 9.76% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 45.4% in tier

Get updates when Regional Missouri 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 ?	$583.6M +2.3% YoY +1.7% QoQ	+$197.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$463.2M +11.4% YoY +4.1% QoQ	+$207.5M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 14.3% in tier
Total Deposits ?	$499.4M +9.6% YoY +1.7% QoQ	+$171.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.97% +22.9% YoY +23.8% QoQ	+0.70%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 13.2% in tier
Net Interest Margin ?	4.36% +18.0% YoY +8.2% QoQ	+0.43%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	55.53% -3.5% YoY -7.7% QoQ	-9.76%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.08% -18.6% YoY +20.7% QoQ	-0.81%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	92.75% +1.7% YoY +2.3% QoQ	+16.11%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	21.28% +5.5% YoY +2.9% QoQ	-0.74%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.06% -11.3% YoY +23.5% QoQ	-0.58%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	11.16% +4.3% YoY +0.9% QoQ	-4.67%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.10% +27.8% YoY -73.6% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	54%

Get Full Access to Regional Missouri Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Credit Quality Leader

growth

#80 of 664 • Top 11.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.08%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Profitability Leader

growth

#271 of 666 • Top 40.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.97%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#303 of 666 • Bottom 45.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.16%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

352

Return on Assets

profitability

Value: 1.97%

Peer Median: 1.27%

#352 of 2664 Top 13.2% in $100M-$1B

382

Total Loans

size

Value: $463.17M

Peer Median: $255.72M

#382 of 2664 Top 14.3% in $100M-$1B

545

Total Deposits

size

Value: $499.38M

Peer Median: $327.97M

#545 of 2664 Top 20.4% in $100M-$1B

553

Total Assets

size

Value: $583.62M

Peer Median: $386.08M

#553 of 2664 Top 20.7% in $100M-$1B

630

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#630 of 2654 Top 23.7% in $100M-$1B

636

Net Interest Margin

profitability

Value: 4.36%

Peer Median: 3.93%

#636 of 2664 Top 23.8% in $100M-$1B

641

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (2 metrics)

2160

Loan-to-Deposit Ratio

liquidity

Value: 92.75%

Peer Median: 76.64%

#2160 of 2664 Bottom 19.0% in $100M-$1B

1999

Tier 1 Capital Ratio

capital

Value: 11.16%

Peer Median: 15.83%

#1999 of 2664 Bottom 25.0% in $100M-$1B