BlastPoint's Banking Scorecard
Royal Banks of Missouri
Designations: ✓ Community bank
Saint Louis, MO
19 branches across MO · IL
Royal Banks of Missouri has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 46.7% in tier
- - Nonperforming Asset Ratio 0.95% above tier average
- - ROA 0.32% below tier average
- - Efficiency Ratio 3.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+1.4% YoY
-0.1% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.2% in tier |
| Total Loans ? |
$774.7M
+4.7% YoY
-1.6% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$914.0M
+0.5% YoY
-0.4% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.4% in tier |
| Return on Assets ? |
1.05%
+62.5% YoY
+29.2% QoQ
|
-0.32% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.96%
+22.3% YoY
+7.2% QoQ
|
+0.14% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
64.31%
-11.5% YoY
-2.7% QoQ
|
+3.25% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.19%
-67.9% YoY
+17.9% QoQ
|
-0.70% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
84.76%
+4.2% YoY
-1.2% QoQ
|
+0.56% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
20.47%
+2.5% YoY
-0.7% QoQ
|
-0.82% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.62%
-9.2% YoY
+1.3% QoQ
|
+0.95% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.4% in tier |
| Tier 1 Capital Ratio ? |
12.26%
+2.6% YoY
+2.8% QoQ
|
-2.90% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.09%
+23.1% YoY
-68.2% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.