BlastPoint's Banking Scorecard

Bank of Crocker

$100M-$1B Specialty: Other MO FDIC cert 1937

Waynesville, MO

4 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 -0.5% year over year ($126.8M on the books).
Delinquency rate 2.80%.
Return on assets 0.81%.
Efficiency ratio 76.10% vs a 64.48% peer average.
Loan-to-deposit ratio 33.58% 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) →

Bank of Crocker faces 5 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

- Flatlined Growth: Bottom 32.5% in tier
- Delinquency Rate 1.88% above tier average
- ROA 0.52% below tier average
- Net Interest Margin 0.72% below tier average
- Efficiency Ratio 11.62% above tier average

Get updates when Bank of Crocker releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$143.3M +1.0% YoY -3.0% QoQ	-$243.2M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 12.3% in tier
Total Loans ?	$42.6M -10.8% YoY -11.5% QoQ	-$215.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Bottom 1.8% in tier
Total Deposits ?	$126.8M -0.5% YoY -3.8% QoQ	-$200.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 14.4% in tier
Return on Assets ?	0.81% +44.9% YoY +8.0% QoQ	-0.52%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.27% +3.5% YoY +0.7% QoQ	-0.72%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	76.10% -6.7% YoY -1.9% QoQ	+11.62%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	2.80% +4.1% YoY +6.8% QoQ	+1.88%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 7.1% in tier
Loan-to-Deposit Ratio ?	33.58% -10.4% YoY -8.0% QoQ	-44.37%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Top 2.3% in tier
Non-Interest-Bearing Deposit Share ?	27.65% +2.1% YoY -0.2% QoQ	+5.62%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	75%
Nonperforming Asset Ratio ?	0.83% -8.0% YoY -2.6% QoQ	+0.16%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	32.79% +13.6% YoY +11.7% QoQ	+16.88%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Top 3.1% in tier
Non-Interest Income / Assets ?	0.12% +2.6% YoY +109.9% QoQ	-0.45%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	25%

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	27.6% +0.6pp YoY 0.0pp QoQ	+5.5pp	22.1%	20.9%	22.2%	75%
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	6.4% -3.3pp YoY -2.2pp QoQ	-5.1pp	11.6%	12.3%	12.5%	28%
CRE	47.2% -1.9pp YoY -2.1pp QoQ	+7.7pp	39.5%	36.8%	41.4%	66%
1-4 Family	33.9% +4.9pp YoY +4.2pp QoQ	+1.3pp	32.6%	31.9%	31.3%	59%
Consumer	6.7% +0.7pp YoY +0.4pp QoQ	+2.5pp	4.1%	4.1%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	32.8% +3.9pp YoY +3.4pp QoQ	+14.0pp	18.8%	18.5%	19.7%	95%
Leverage Ratio	12.8% +0.7pp YoY +0.4pp QoQ	+0.6pp	12.2%	11.6%	12.6%	73%
Total Capital Ratio	34.0% +4.0pp YoY +3.5pp QoQ	+14.1pp	19.9%	19.6%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	34 -1 (-2.9%) YoY 0 QoQ	-25	58	162	482	33%
Assets per Employee ($)	$4.2M +4.0% YoY -3.0% QoQ	-$3.3M	$7.5M	$8.0M	$8.8M	6%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

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	2.8% +0.1pp YoY +0.2pp QoQ	+1.9pp	0.9%	0.8%	1.0%	93%
Allowance Coverage	0.61x +12.7% YoY +6.1% QoQ	-23.54x	24.15x	10.47x	20.23x	14%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	13%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	7.5% +1.5pp YoY +0.4pp QoQ	-4.7pp	12.2%	14.3%	11.6%	23%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	16%
Net Income ($, YTD)	$587,000 +47.9% YoY — QoQ	-$2.0M	$2.6M	$11.3M	$40.4M	13%

Get Full Access to Bank of Crocker

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Flatlined Growth

risk

#173 of 529 • Bottom 32.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.81%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 33.58%

Peer Median: 77.95%

#61 of 2643 Top 2.3% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 32.79%

Peer Median: 15.91%

#83 of 2643 Top 3.1% in $100M-$1B

659

Non-Interest-Bearing Deposit Share

funding

Value: 27.65%

Peer Median: 22.03%

#659 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (7 metrics)

2597

Total Loans

size

Value: $42.58M

Peer Median: $258.35M

#2597 of 2643 Bottom 1.8% in $100M-$1B

2446

Delinquency Rate

credit_quality

Value: 2.80%

Peer Median: 0.92%

#2446 of 2633 Bottom 7.1% in $100M-$1B

2318

Total Assets

size

Value: $143.35M

Peer Median: $386.57M

#2318 of 2643 Bottom 12.3% in $100M-$1B

2264

Total Deposits

size

Value: $126.78M

Peer Median: $326.73M

#2264 of 2643 Bottom 14.4% in $100M-$1B

2157

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.99%

#2157 of 2643 Bottom 18.4% in $100M-$1B

2150

Efficiency Ratio

profitability

Value: 76.10%

Peer Median: 64.48%

#2150 of 2643 Bottom 18.7% in $100M-$1B

2022

Return on Assets

profitability

Value: 0.81%

Peer Median: 1.32%

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