BlastPoint's Banking Scorecard

Regional Missouri Bank

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

Marceline, MO

11 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +8.1% year over year ($500.7M on the books).
Delinquency rate 0.07%.
Return on assets 2.26%.
Efficiency ratio 52.20% vs a 64.48% peer average.
Loan-to-deposit ratio 92.52% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Regional Missouri Bank has 5 strengths but faces 3 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

+ Credit Quality Leader: Top 2.9% in tier
+ Profitability Leader: Top 8.6% in tier
+ Revenue Diversifier: Top 39.2% in tier
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 12.28% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.4% in tier
- Credit Risk Growth: Bottom 43.3% in tier
- Liquidity Strain: Bottom 49.4% in tier

Get updates when Regional Missouri 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 ?	$597.4M +6.0% YoY +2.4% QoQ	+$210.8M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$463.3M +10.7% YoY +0.0% QoQ	+$204.9M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 14.5% in tier
Total Deposits ?	$500.7M +8.1% YoY +0.3% QoQ	+$174.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	2.26% +40.6% YoY +15.0% QoQ	+0.94%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 7.7% in tier
Net Interest Margin ?	4.44% +16.2% YoY +2.0% QoQ	+0.46%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	52.20% -9.6% YoY -6.0% QoQ	-12.28%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.07% +77.0% YoY -4.0% QoQ	-0.85%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	92.52% +2.5% YoY -0.3% QoQ	+14.56%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	19.63% -4.8% YoY -7.8% QoQ	-2.40%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.06% +84.8% YoY -6.2% QoQ	-0.61%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	78%
Tier 1 Capital Ratio ?	11.61% +7.4% YoY +4.1% QoQ	-4.29%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.34% +91.8% YoY +231.9% QoQ	-0.22%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	79%

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	19.6% -1.0pp YoY -1.6pp QoQ	-2.5pp	22.1%	20.9%	22.2%	44%
Brokered Deposits	2.1% -2.3pp YoY 0.0pp QoQ	-5.8pp	7.9%	7.4%	8.5%	31%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	9.8% -2.0pp YoY -0.2pp QoQ	-1.8pp	11.6%	12.3%	12.5%	51%
CRE	23.0% -0.1pp YoY -0.8pp QoQ	-16.6pp	39.5%	36.8%	41.4%	23%
1-4 Family	23.2% +1.2pp YoY +0.7pp QoQ	-9.4pp	32.6%	31.9%	31.3%	37%
Consumer	1.9% 0.0pp YoY -0.1pp QoQ	-2.2pp	4.1%	4.1%	5.0%	47%

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% +0.8pp YoY +0.5pp QoQ	-0.6pp	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	105 +10 (+10.5%) YoY -1 (-0.9%) QoQ	+46	58	162	482	88%
Assets per Employee ($)	$5.7M -4.1% YoY +3.3% QoQ	-$1.8M	$7.5M	$8.0M	$8.8M	27%
Branch Count	11 +2 (+22.2%) YoY 0 QoQ	+6	4	10	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	15%
Allowance Coverage	14.39x -43.8% YoY +7.2% QoQ	-9.77x	24.15x	10.47x	20.23x	86%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.3%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	20.7% +4.6pp YoY +2.6pp QoQ	+8.5pp	12.2%	14.3%	11.6%	90%
Cost of Funds (YTD)	1.6% -0.4pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	42%
Net Income ($, YTD)	$6.6M +45.2% YoY — QoQ	+$4.1M	$2.6M	$11.3M	$40.4M	94%

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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 (3)

Credit Quality Leader

growth

#20 of 659 • Top 2.9% in tier

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

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth

#58 of 661 • Top 8.6% in tier

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

Why this signature

Return on Assets: 2.26%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#260 of 661 • Top 39.2% 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: 0.34%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.26%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (3)

Credit Quality Pressure

risk

#106 of 1256 • Bottom 8.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#406 of 936 • Bottom 43.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#342 of 691 • Bottom 49.4% 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: 92.52%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (9 metrics)

204

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.32%

#204 of 2643 Top 7.7% in $100M-$1B

383

Total Loans

size

Value: $463.25M

Peer Median: $258.35M

#383 of 2643 Top 14.5% in $100M-$1B

518

Total Assets

size

Value: $597.40M

Peer Median: $386.57M

#518 of 2643 Top 19.6% in $100M-$1B

532

Total Deposits

size

Value: $500.73M

Peer Median: $326.73M

#532 of 2643 Top 20.1% in $100M-$1B

560

Efficiency Ratio

profitability

Value: 52.20%

Peer Median: 64.48%

#560 of 2643 Top 21.2% in $100M-$1B

568

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#568 of 2643 Top 21.5% in $100M-$1B

590

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#590 of 2643 Top 22.3% in $100M-$1B

606

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.99%

#606 of 2643 Top 22.9% in $100M-$1B

614

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.92%

#614 of 2633 Top 23.3% in $100M-$1B

Top Weaknesses (1 metrics)

2081

Loan-to-Deposit Ratio

liquidity

Value: 92.52%

Peer Median: 77.95%

#2081 of 2643 Bottom 21.3% in $100M-$1B