BlastPoint's Banking Scorecard

Phelps County Bank

$100M-$1B Specialty: Commercial MO FDIC cert 18841

Rolla, MO

6 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 +14.6% year over year ($565.5M on the books).
Delinquency rate 1.17%.
Return on assets 1.36%.
Efficiency ratio 70.95% vs a 64.48% peer average.
Loan-to-deposit ratio 82.36% 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) →

Phelps County Bank has 1 strength 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

+ Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 64.8% in tier
- Efficiency Ratio 6.47% above tier average
- Delinquency Rate 0.25% above tier average

Get updates when Phelps County 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 ?	$621.7M +12.7% YoY +0.8% QoQ	+$235.1M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$465.8M +10.9% YoY +4.8% QoQ	+$207.4M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 14.3% in tier
Total Deposits ?	$565.5M +14.6% YoY +1.2% QoQ	+$238.8M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 14.8% in tier
Return on Assets ?	1.36% -14.8% YoY -2.1% QoQ	+0.04%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	4.28% -1.9% YoY +0.9% QoQ	+0.29%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	70.95% +4.7% YoY +0.7% QoQ	+6.47%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	1.17% +817.5% YoY	+0.25%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	82.36% -3.2% YoY +3.6% QoQ	+4.41%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	44%
Non-Interest-Bearing Deposit Share ?	18.09% -12.3% YoY -0.9% QoQ	-3.94%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	0.88% +802.5% YoY	+0.21%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	13.03% -1.2% YoY -7.2% QoQ	-2.88%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.44% +0.1% YoY +94.6% QoQ	-0.13%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 12.0% in tier

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	18.1% -2.5pp YoY -0.2pp QoQ	-4.1pp	22.1%	20.9%	22.2%	36%
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	6.2% +0.3pp YoY 0.0pp QoQ	-5.3pp	11.6%	12.3%	12.5%	27%
CRE	35.7% +2.3pp YoY -0.4pp QoQ	-3.9pp	39.5%	36.8%	41.4%	44%
1-4 Family	48.6% -1.6pp YoY +0.5pp QoQ	+16.0pp	32.6%	31.9%	31.3%	81%
Consumer	1.8% -0.2pp YoY -0.1pp QoQ	-2.3pp	4.1%	4.1%	5.0%	45%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	13.0% -0.2pp YoY -1.0pp QoQ	-5.8pp	18.8%	18.5%	19.7%	28%
Leverage Ratio	8.9% -0.2pp YoY -0.4pp QoQ	-3.3pp	12.2%	11.6%	12.6%	10%
Total Capital Ratio	14.1% -0.2pp YoY -1.0pp QoQ	-5.8pp	19.9%	19.6%	20.8%	28%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	142 +19 (+15.4%) YoY 0 QoQ	+83	58	162	482	96%
Assets per Employee ($)	$4.4M -2.4% YoY +0.8% QoQ	-$3.1M	$7.5M	$8.0M	$8.8M	7%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	1.0% +1.0pp YoY +1.0pp QoQ	+0.7pp	0.3%	0.3%	0.4%	92%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	21%
Allowance Coverage	0.82x -89.1% YoY -93.2% QoQ	-23.33x	24.15x	10.47x	20.23x	21%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	41%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	17.4% -3.9pp YoY -0.3pp QoQ	+5.2pp	12.2%	14.3%	11.6%	79%
Cost of Funds (YTD)	1.3% +0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	25%
Net Income ($, YTD)	$4.2M -1.1% YoY — QoQ	+$1.7M	$2.6M	$11.3M	$40.4M	82%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#200 of 307 • Bottom 64.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.36%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 (4 metrics)

319

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#319 of 2643 Top 12.0% in $100M-$1B

379

Total Loans

size

Value: $465.77M

Peer Median: $258.35M

#379 of 2643 Top 14.3% in $100M-$1B

393

Total Deposits

size

Value: $565.51M

Peer Median: $326.73M

#393 of 2643 Top 14.8% in $100M-$1B

476

Total Assets

size

Value: $621.72M

Peer Median: $386.57M

#476 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (2 metrics)

2022

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#2022 of 2643 Bottom 23.5% in $100M-$1B

1983

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.92%

#1983 of 2633 Bottom 24.7% in $100M-$1B