BlastPoint's Banking Scorecard

Royal Banks of Missouri

$1B-$10B Specialty: Commercial MO FDIC cert 19512

Designations: ✓ Community bank

Saint Louis, MO

19 branches across MO · IL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits -0.5% year over year ($891.6M on the books).
Delinquency rate 0.16%.
Return on assets 1.05%.
Efficiency ratio 63.87% vs a 59.73% peer average.
Loan-to-deposit ratio 90.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

Royal Banks of Missouri has 2 strengths but faces 5 concerns

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

+ Net Interest Margin 0.19% above tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 24.9% in tier
- Flatlined Growth: Bottom 40.7% in tier
- Nonperforming Asset Ratio 0.91% above tier average
- ROA 0.34% below tier average
- Efficiency Ratio 4.14% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.0B +0.5% YoY -1.9% QoQ	-$1.8B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 2.9% in tier
Total Loans ?	$802.9M +7.6% YoY +3.6% QoQ	-$1.2B	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Bottom 14.9% in tier
Total Deposits ?	$891.6M -0.5% YoY -2.4% QoQ	-$1.4B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 6.8% in tier
Return on Assets ?	1.05% +40.2% YoY +0.5% QoQ	-0.34%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	34%
Net Interest Margin ?	4.06% +18.3% YoY +2.4% QoQ	+0.19%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	63.87% -6.9% YoY -0.7% QoQ	+4.14%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.16% -72.6% YoY -14.3% QoQ	-0.70%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	90.05% +8.1% YoY +6.2% QoQ	+5.02%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	21.57% +7.9% YoY +5.4% QoQ	+0.30%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	59%
Nonperforming Asset Ratio ?	1.59% -12.2% YoY -2.1% QoQ	+0.91%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 9.2% in tier
Tier 1 Capital Ratio ?	12.07% -0.4% YoY -1.5% QoQ	-2.77%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.17% +0.2% YoY +82.1% QoQ	-0.36%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	24%

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	21.6% +1.6pp YoY +1.1pp QoQ	+0.2pp	21.4%	20.9%	22.2%	58%
Brokered Deposits	n/a	n/a	9.5%	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	13.1% +0.6pp YoY +0.1pp QoQ	-0.9pp	14.0%	12.3%	12.5%	59%
CRE	65.0% -2.9pp YoY +0.6pp QoQ	+15.0pp	50.0%	36.8%	41.4%	83%
1-4 Family	19.4% +2.9pp YoY -0.6pp QoQ	-7.0pp	26.4%	31.9%	31.3%	41%
Consumer	0.5% -0.3pp YoY -0.1pp QoQ	-4.2pp	4.7%	4.1%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.1% 0.0pp YoY -0.2pp QoQ	-3.5pp	15.6%	18.5%	19.7%	26%
Leverage Ratio	10.9% +0.7pp YoY +0.4pp QoQ	-0.4pp	11.3%	11.6%	12.6%	58%
Total Capital Ratio	12.6% -0.2pp YoY -0.2pp QoQ	-4.1pp	16.7%	19.6%	20.8%	16%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	132 +5 (+3.9%) YoY +6 (+4.8%) QoQ	-182	313	162	482	17%
Assets per Employee ($)	$7.8M -3.3% YoY -6.3% QoQ	-$2.7M	$10.5M	$8.0M	$8.8M	37%
Branch Count	19 0 YoY 0 QoQ	-1	20	10	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.2% -0.4pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.8%	1.0%	18%
Allowance Coverage	3.66x +202.0% YoY +17.1% QoQ	-15.05x	18.71x	10.47x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	8.8% +2.2pp YoY -0.1pp QoQ	-3.8pp	12.6%	14.3%	11.6%	24%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	60%
Net Income ($, YTD)	$5.5M +41.4% YoY — QoQ	-$13.7M	$19.2M	$11.3M	$40.4M	14%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#91 of 361 • Bottom 24.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.05%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Flatlined Growth

risk

#67 of 162 • Bottom 40.7% 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: 1.05%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

165

Delinquency Rate

credit_quality

Value: 0.16%

Peer Median: 0.87%

#165 of 882 Top 18.6% in $1B-$10B

Top Weaknesses (5 metrics)

860

Total Assets

size

Value: $1.03B

Peer Median: $2.79B

#860 of 885 Bottom 2.9% in $1B-$10B

826

Total Deposits

size

Value: $891.64M

Peer Median: $2.32B

#826 of 885 Bottom 6.8% in $1B-$10B

805

Nonperforming Asset Ratio

credit_quality

Value: 1.59%

Peer Median: 0.67%

#805 of 885 Bottom 9.2% in $1B-$10B

754

Total Loans

size

Value: $802.92M

Peer Median: $1.96B

#754 of 885 Bottom 14.9% in $1B-$10B

672

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#672 of 885 Bottom 24.2% in $1B-$10B