BlastPoint's Banking Scorecard
Metz Banking Company
Nevada, MO
2 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 +5.8% year over year ($104.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.60%.
- Efficiency ratio 55.57% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.64% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Metz Banking Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34.8% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.28% above tier average
- + Efficiency Ratio 8.91% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$117.3M
+6.5% YoY
+1.2% QoQ
|
-$269.2M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.8% in tier |
| Total Loans ? |
$75.5M
-1.3% YoY
+2.5% QoQ
|
-$182.8M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.8% in tier |
| Total Deposits ? |
$104.0M
+5.8% YoY
+1.1% QoQ
|
-$222.7M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.6% in tier |
| Return on Assets ? |
1.60%
+20.1% YoY
+17.3% QoQ
|
+0.28% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.55%
+4.1% YoY
+0.5% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
55.57%
-8.0% YoY
-8.2% QoQ
|
-8.91% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.64%
-6.8% YoY
+1.4% QoQ
|
-5.31% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
32.17%
+1.0% YoY
+3.1% QoQ
|
+10.14% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Top 14.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.60%
+0.5% YoY
+1.3% QoQ
|
-4.31% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.08%
-6.1% YoY
+85.8% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
32.2%
+0.3pp YoY +1.0pp QoQ |
+10.0pp | 22.1% | 20.9% | 22.2% | 86% |
| 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 |
12.0%
+2.0pp YoY -0.5pp QoQ |
+0.5pp | 11.6% | 12.3% | 12.5% | 64% |
| CRE |
31.8%
+2.8pp YoY -0.8pp QoQ |
-7.7pp | 39.5% | 36.8% | 41.4% | 38% |
| 1-4 Family |
21.1%
0.0pp YoY -0.1pp QoQ |
-11.6pp | 32.6% | 31.9% | 31.3% | 32% |
| Consumer |
1.4%
+0.1pp YoY 0.0pp QoQ |
-2.7pp | 4.1% | 4.1% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+0.1pp YoY +0.2pp QoQ |
-0.6pp | 12.2% | 11.6% | 12.6% | 60% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+2 (+13.3%) YoY 0 QoQ |
-42 | 58 | 162 | 482 | 7% |
| Assets per Employee ($) |
$6.9M
-6.0% YoY +1.2% QoQ |
-$615K | $7.5M | $8.0M | $8.8M | 50% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+1.8pp YoY +2.2pp QoQ |
+2.3pp | 12.2% | 14.3% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 65% |
| Net Income ($, YTD) |
$915,000
+28.9% YoY — QoQ |
-$1.6M | $2.6M | $11.3M | $40.4M | 24% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.