BlastPoint's Banking Scorecard
Community Bank of Marshall
Marshall, MO
7 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 +4.2% year over year ($226.7M on the books).
- Delinquency rate 1.03%.
- Return on assets 1.14%.
- Efficiency ratio 57.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 48.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Marshall has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.04% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.6% in tier
- - ROA 0.18% below tier average
- - Net Interest Margin 0.73% below tier average
- - Delinquency Rate 0.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.2M
+4.8% YoY
+1.3% QoQ
|
-$136.3M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$109.7M
+9.6% YoY
+1.4% QoQ
|
-$148.6M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$226.7M
+4.2% YoY
+1.1% QoQ
|
-$100.0M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.14%
+16.5% YoY
-8.2% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.26%
+7.9% YoY
-2.3% QoQ
|
-0.73% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
57.44%
-1.4% YoY
+6.9% QoQ
|
-7.04% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
1.03%
+320.2% YoY
|
+0.11% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
48.39%
+5.1% YoY
+0.2% QoQ
|
-29.56% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.76%
+21.5% YoY
+7.4% QoQ
|
-5.27% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.45%
+339.5% YoY
|
-0.22% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
10.03%
+2.4% YoY
+0.8% QoQ
|
-5.88% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.1% in tier |
| Non-Interest Income / Assets ? |
0.27%
+6.1% YoY
+104.3% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
16.8%
+3.0pp YoY +1.2pp QoQ |
-5.4pp | 22.1% | 20.9% | 22.2% | 31% |
| 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 |
7.7%
-0.4pp YoY 0.0pp QoQ |
-3.9pp | 11.6% | 12.3% | 12.5% | 37% |
| CRE |
19.7%
+1.2pp YoY +0.5pp QoQ |
-19.9pp | 39.5% | 36.8% | 41.4% | 18% |
| 1-4 Family |
35.6%
-1.3pp YoY -0.4pp QoQ |
+2.9pp | 32.6% | 31.9% | 31.3% | 63% |
| Consumer |
4.4%
-1.4pp YoY -0.4pp QoQ |
+0.3pp | 4.1% | 4.1% | 5.0% | 74% |
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 |
10.0%
+0.2pp YoY +0.1pp QoQ |
-2.1pp | 12.2% | 11.6% | 12.6% | 32% |
| 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 |
38
+2 (+5.6%) YoY +1 (+2.7%) QoQ |
-21 | 58 | 162 | 482 | 39% |
| Assets per Employee ($) |
$6.6M
-0.8% YoY -1.4% QoQ |
-$933K | $7.5M | $8.0M | $8.8M | 44% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 10 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | 1.0% | +0.1pp | 0.9% | 0.8% | 1.0% | 72% |
| Allowance Coverage |
1.34x
-78.0% YoY -95.6% QoQ |
-22.81x | 24.15x | 10.47x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+0.4pp YoY -1.1pp QoQ |
+0.9pp | 12.2% | 14.3% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 57% |
| Net Income ($, YTD) |
$1.4M
+20.1% YoY — QoQ |
-$1.2M | $2.6M | $11.3M | $40.4M | 38% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.