BlastPoint's Banking Scorecard

Metz Banking Company

$100M-$1B Specialty: Agricultural MO FDIC cert 1945

Nevada, MO

2 branches across MO

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

Metz Banking Company has 4 strengths but faces 1 concern

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 37.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.09% above tier average
+ Efficiency Ratio 4.73% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.40% below 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 ?	$116.0M +9.7% YoY +5.4% QoQ	-$270.1M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 4.7% in tier
Total Loans ?	$73.7M -1.4% YoY -1.7% QoQ	-$182.0M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 8.6% in tier
Total Deposits ?	$102.9M +9.4% YoY +5.8% QoQ	-$225.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 6.8% in tier
Return on Assets ?	1.36% +11.0% YoY +9.6% QoQ	+0.09%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.53% +8.4% YoY +0.1% QoQ	-0.40%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	60.56% -1.6% YoY -1.6% QoQ	-4.73%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	71.62% -9.8% YoY -7.1% QoQ	-5.02%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	31.20% +0.5% YoY +6.4% QoQ	+9.19%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.45% -0.9% YoY +0.3% QoQ	-4.38%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.04% -5.0% YoY -72.7% QoQ	-0.24%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	16%

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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 (1)

Credit Quality Leader

growth

#252 of 664 • Top 37.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

408

Non-Interest-Bearing Deposit Share

funding

Value: 31.20%

Peer Median: 22.02%

#408 of 2664 Top 15.3% in $100M-$1B

Top Weaknesses (4 metrics)

2540

Total Assets

size

Value: $115.96M

Peer Median: $386.08M

#2540 of 2664 Bottom 4.7% in $100M-$1B

2485

Total Deposits

size

Value: $102.88M

Peer Median: $327.97M

#2485 of 2664 Bottom 6.8% in $100M-$1B

2436

Total Loans

size

Value: $73.68M

Peer Median: $255.72M

#2436 of 2664 Bottom 8.6% in $100M-$1B

2242

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2242 of 2664 Bottom 15.9% in $100M-$1B