BlastPoint's Banking Scorecard

Community Bank of Marshall

$100M-$1B Specialty: Agricultural MO FDIC cert 22636

Marshall, MO

7 branches across MO

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

Community Bank of Marshall has 2 strengths but faces 4 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

+ Credit Quality Leader: Top 6.2% in tier
+ Efficiency Ratio 11.53% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.0% in tier
- Capital Thin: Bottom 30.3% in tier
- Credit Risk Growth: Bottom 41.0% in tier
- Net Interest Margin 0.59% 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 ?	$247.1M +4.0% YoY +5.4% QoQ	-$139.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$108.2M +10.8% YoY +0.5% QoQ	-$147.5M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$224.2M +3.2% YoY +6.1% QoQ	-$103.8M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.24% +34.0% YoY +14.5% QoQ	-0.03%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.34% +11.1% YoY +5.8% QoQ	-0.59%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	53.76% -6.3% YoY -7.0% QoQ	-11.53%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.05% +784.4% YoY -48.1% QoQ	-0.84%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	48.28% +7.4% YoY -5.3% QoQ	-28.36%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Top 8.2% in tier
Non-Interest-Bearing Deposit Share ?	15.61% +16.0% YoY -2.0% QoQ	-6.41%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.02% +842.4% YoY -50.6% QoQ	-0.62%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	9.95% +2.7% YoY -2.4% QoQ	-5.88%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 9.3% in tier
Non-Interest Income / Assets ?	0.13% +2.5% YoY -75.3% QoQ	-0.15%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	67%

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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

#42 of 664 • Top 6.2% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (3)

Credit Quality Pressure

risk

#106 of 1308 • Bottom 8.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#203 of 666 • Bottom 30.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.95%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#400 of 973 • Bottom 41.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 (4 metrics)

219

Loan-to-Deposit Ratio

liquidity

Value: 48.28%

Peer Median: 76.64%

#219 of 2664 Top 8.2% in $100M-$1B

443

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#443 of 2664 Top 16.6% in $100M-$1B

524

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#524 of 2654 Top 19.7% in $100M-$1B

621

Efficiency Ratio

profitability

Value: 53.76%

Peer Median: 65.29%

#621 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2418

Tier 1 Capital Ratio

capital

Value: 9.95%

Peer Median: 15.83%

#2418 of 2664 Bottom 9.3% in $100M-$1B

2079

Total Loans

size

Value: $108.23M

Peer Median: $255.72M

#2079 of 2664 Bottom 22.0% in $100M-$1B

2043

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.93%

#2043 of 2664 Bottom 23.3% in $100M-$1B