BlastPoint's Banking Scorecard

Phelps County Bank

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

Rolla, MO

6 branches across MO

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

Phelps County Bank has 4 strengths but faces 2 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 14.3% in tier
+ Revenue Diversifier: Top 50.0% in tier
+ ROA 0.12% above tier average
+ Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 70.7% in tier
- Efficiency Ratio 5.18% above tier average

Get updates when Phelps County 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 ?	$616.7M +15.2% YoY -0.1% QoQ	+$230.6M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$444.3M +9.2% YoY -0.2% QoQ	+$188.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$558.7M +21.8% YoY -0.6% QoQ	+$230.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.39% -8.3% YoY -9.2% QoQ	+0.12%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	62%
Net Interest Margin ?	4.24% -1.1% YoY -2.4% QoQ	+0.31%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	70.47% +2.2% YoY +3.9% QoQ	+5.18%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.08% -27.5% YoY -10.9% QoQ	-0.81%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	79.53% -10.4% YoY +0.3% QoQ	+2.89%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	18.26% -14.0% YoY +2.9% QoQ	-3.76%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.07% -20.8% YoY +2.6% QoQ	-0.57%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	14.04% +0.1% YoY +5.2% QoQ	-1.79%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.23% +3.0% YoY -72.8% QoQ	-0.05%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 11.0% in tier

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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 (2)

Credit Quality Leader

growth

#96 of 664 • Top 14.3% 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

Revenue Diversifier

growth

#334 of 666 • Top 50.0% 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: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.39%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#141 of 198 • Bottom 70.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 18.26%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (5 metrics)

293

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#293 of 2664 Top 11.0% in $100M-$1B

414

Total Deposits

size

Value: $558.70M

Peer Median: $327.97M

#414 of 2664 Top 15.5% in $100M-$1B

425

Total Loans

size

Value: $444.34M

Peer Median: $255.72M

#425 of 2664 Top 15.9% in $100M-$1B

487

Total Assets

size

Value: $616.68M

Peer Median: $386.08M

#487 of 2664 Top 18.2% in $100M-$1B

640

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#640 of 2654 Top 24.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available