BlastPoint's Banking Scorecard

Kennett Trust Bank

$100M-$1B Specialty: Other MO FDIC cert 18879

Kennett, MO

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

Kennett Trust Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 9.1% in tier
- Capital Thin: Bottom 9.8% in tier
- Deposit Outflow: Bottom 12.5% in tier
- Delinquency Rate 4.14% above tier average
- Nonperforming Asset Ratio 2.46% above tier average
- ROA 0.69% below tier average
- Net Interest Margin 0.61% below tier average
- Efficiency Ratio 12.04% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$126.8M -2.9% YoY -0.1% QoQ	-$259.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 8.0% in tier
Total Loans ?	$78.0M +1.0% YoY -1.2% QoQ	-$177.7M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 10.3% in tier
Total Deposits ?	$109.7M -0.9% YoY -2.9% QoQ	-$218.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 8.6% in tier
Return on Assets ?	0.58% +14.1% YoY +148.5% QoQ	-0.69%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	15%
Net Interest Margin ?	3.32% +2.7% YoY -4.2% QoQ	-0.61%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	77.33% -5.0% YoY -14.4% QoQ	+12.04%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	5.03% +182.8% YoY +13.6% QoQ	+4.14%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 2.1% in tier
Loan-to-Deposit Ratio ?	71.10% +2.0% YoY +1.7% QoQ	-5.54%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	7.20% -32.4% YoY -27.9% QoQ	-14.82%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 6.0% in tier
Nonperforming Asset Ratio ?	3.09% +185.8% YoY +12.4% QoQ	+2.46%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 2.8% in tier
Tier 1 Capital Ratio ?	10.87% +0.5% YoY +1.9% QoQ	-4.96%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.18% +0.3% YoY +382.1% QoQ	-0.10%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	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 (3)

NIB Deposit Bleed

decline

#19 of 198 • Bottom 9.1% 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: 7.20%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Capital Thin

risk

#66 of 666 • Bottom 9.8% 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: 10.87%

(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

Deposit Outflow

decline

#64 of 506 • Bottom 12.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

473

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#473 of 2664 Top 17.7% in $100M-$1B

Top Weaknesses (10 metrics)

2598

Delinquency Rate

credit_quality

Value: 5.03%

Peer Median: 0.89%

#2598 of 2654 Bottom 2.1% in $100M-$1B

2590

Nonperforming Asset Ratio

credit_quality

Value: 3.09%

Peer Median: 0.64%

#2590 of 2664 Bottom 2.8% in $100M-$1B

2506

Non-Interest-Bearing Deposit Share

funding

Value: 7.20%

Peer Median: 22.02%

#2506 of 2664 Bottom 6.0% in $100M-$1B

2451

Total Assets

size

Value: $126.80M

Peer Median: $386.08M

#2451 of 2664 Bottom 8.0% in $100M-$1B

2437

Total Deposits

size

Value: $109.72M

Peer Median: $327.97M

#2437 of 2664 Bottom 8.6% in $100M-$1B

2391

Total Loans

size

Value: $78.01M

Peer Median: $255.72M

#2391 of 2664 Bottom 10.3% in $100M-$1B

2256

Return on Assets

profitability

Value: 0.58%

Peer Median: 1.27%

#2256 of 2664 Bottom 15.4% in $100M-$1B

2158

Efficiency Ratio

profitability

Value: 77.33%

Peer Median: 65.29%

#2158 of 2664 Bottom 19.0% in $100M-$1B

2092

Tier 1 Capital Ratio

capital

Value: 10.87%

Peer Median: 15.83%

#2092 of 2664 Bottom 21.5% in $100M-$1B

2072

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.93%

#2072 of 2664 Bottom 22.3% in $100M-$1B