BlastPoint's Banking Scorecard
Bank Star
Pacific, MO
3 branches across MO
Bank Star has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.9% in tier
- - ROA 0.41% below tier average
- - Efficiency Ratio 10.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.0M
+3.4% YoY
+1.6% QoQ
|
-$189.1M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$143.7M
-0.1% YoY
+0.5% QoQ
|
-$112.0M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$179.4M
+2.7% YoY
+1.8% QoQ
|
-$148.6M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.86%
+37.1% YoY
-18.3% QoQ
|
-0.41% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
4.13%
+0.6% YoY
+2.2% QoQ
|
+0.20% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
75.42%
+5.4% YoY
+10.8% QoQ
|
+10.13% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.11%
+15.7% YoY
-74.9% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
80.10%
-2.7% YoY
-1.3% QoQ
|
+3.46% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.60%
+0.4% YoY
-1.3% QoQ
|
-1.42% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.08%
+11.7% YoY
-75.2% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
12.14%
+11.9% YoY
-0.2% QoQ
|
-3.69% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.07%
+10.4% YoY
-72.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
35% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.