BlastPoint's Banking Scorecard
Community State Bank of Missouri
Bowling Green, MO
3 branches across MO
Community State Bank of Missouri has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.37% above tier average
- + Efficiency Ratio 10.29% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.4% in tier
- - Credit Risk Growth: Bottom 18.8% in tier
- - Margin Compression: Bottom 68.2% in tier
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$341.9M
+7.6% YoY
-2.1% QoQ
|
-$44.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$232.4M
+6.0% YoY
-2.1% QoQ
|
-$23.3M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$305.6M
+7.9% YoY
-1.5% QoQ
|
-$22.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.64%
-11.9% YoY
+4.3% QoQ
|
+0.37% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.56%
+17.8% YoY
+10.2% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
54.99%
+4.0% YoY
-1.8% QoQ
|
-10.29% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.27%
+30.2% YoY
+3.6% QoQ
|
-0.62% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
76.05%
-1.8% YoY
-0.6% QoQ
|
-0.59% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
18.74%
+5.4% YoY
-1.6% QoQ
|
-3.28% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.18%
+28.2% YoY
+3.6% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
10.34%
-4.8% YoY
-8.3% QoQ
|
-5.49% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.3% in tier |
| Non-Interest Income / Assets ? |
0.08%
-71.0% YoY
-83.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.