BlastPoint's Banking Scorecard

Southwest Missouri Bank

$1B-$10B Specialty: Other MO FDIC cert 22876

Designations: ✓ Community bank

Carthage, MO

11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +4.5% year over year ($1.0B on the books).
Delinquency rate 0.25%.
Return on assets 1.03%.
Efficiency ratio 69.12% vs a 59.73% peer average.
Loan-to-deposit ratio 60.72% 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) →

Southwest Missouri Bank 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

+ Loan-to-Deposit Ratio 24.31% below tier average
+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.5% in tier
- Credit Risk Growth: Bottom 28.9% in tier
- Non-Interest-Bearing Deposit Share 12.01% below tier average
- ROA 0.36% below tier average
- Efficiency Ratio 9.40% above tier average

Get updates when Southwest Missouri Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.2B +4.9% YoY -1.0% QoQ	-$1.6B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$633.8M +6.3% YoY +1.5% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Bottom 5.1% in tier
Total Deposits ?	$1.0B +4.5% YoY -1.1% QoQ	-$1.3B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	1.03% +12.4% YoY +4.8% QoQ	-0.36%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	3.82% +6.7% YoY +1.8% QoQ	-0.05%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	57%
Efficiency Ratio ?	69.12% -3.6% YoY -0.0% QoQ	+9.40%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	23%
Delinquency Rate ?	0.25% +58.0% YoY +18.2% QoQ	-0.61%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	74%
Loan-to-Deposit Ratio ?	60.72% +1.7% YoY +2.6% QoQ	-24.31%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Top 7.7% in tier
Non-Interest-Bearing Deposit Share ?	9.26% +3.2% YoY +4.0% QoQ	-12.01%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 9.7% in tier
Nonperforming Asset Ratio ?	0.13% +50.6% YoY +21.2% QoQ	-0.54%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	15.30% +2.2% YoY +1.1% QoQ	+0.46%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.48% -1.6% YoY +104.2% QoQ	-0.05%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	79%

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	9.3% +0.3pp YoY +0.4pp QoQ	-12.1pp	21.4%	20.9%	22.2%	9%
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	8.1% -2.0pp YoY -0.6pp QoQ	-5.9pp	14.0%	12.3%	12.5%	35%
CRE	24.6% +2.0pp YoY +0.9pp QoQ	-25.5pp	50.0%	36.8%	41.4%	7%
1-4 Family	42.8% +1.5pp YoY +0.3pp QoQ	+16.4pp	26.4%	31.9%	31.3%	85%
Consumer	15.1% -1.0pp YoY -0.2pp QoQ	+10.3pp	4.7%	4.1%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	15.3% +0.3pp YoY +0.2pp QoQ	-0.3pp	15.6%	18.5%	19.7%	73%
Leverage Ratio	8.7% +0.2pp YoY +0.1pp QoQ	-2.6pp	11.3%	11.6%	12.6%	7%
Total Capital Ratio	16.4% +0.4pp YoY +0.2pp QoQ	-0.3pp	16.7%	19.6%	20.8%	72%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	219 +3 (+1.4%) YoY +8 (+3.8%) QoQ	-95	313	162	482	46%
Assets per Employee ($)	$5.5M +3.4% YoY -4.6% QoQ	-$5.0M	$10.5M	$8.0M	$8.8M	7%
Branch Count	11 0 YoY 0 QoQ	-9	20	10	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.3%	0.4%	68%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.8%	1.0%	20%
Allowance Coverage	4.48x -31.3% YoY -13.3% QoQ	-14.23x	18.71x	10.47x	20.23x	75%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.3%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	15.1% -1.0pp YoY +0.5pp QoQ	+2.5pp	12.6%	14.3%	11.6%	74%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.8%	1.7%	17%
Net Income ($, YTD)	$6.3M +18.6% YoY — QoQ	-$13.0M	$19.2M	$11.3M	$40.4M	18%

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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)

Credit Quality Pressure

risk

#97 of 492 • Bottom 19.5% in tier

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

Why this signature

Delinquency Rate: 0.25%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#117 of 402 • Bottom 28.9% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

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 (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 60.72%

Peer Median: 85.04%

#69 of 885 Top 7.7% in $1B-$10B

169

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#169 of 885 Top 19.0% in $1B-$10B

189

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.53%

#189 of 885 Top 21.2% in $1B-$10B

212

Tier 1 Capital Ratio

capital

Value: 15.30%

Peer Median: 14.84%

#212 of 885 Top 23.8% in $1B-$10B

Top Weaknesses (5 metrics)

841

Total Loans

size

Value: $633.80M

Peer Median: $1.96B

#841 of 885 Bottom 5.1% in $1B-$10B

800

Non-Interest-Bearing Deposit Share

funding

Value: 9.26%

Peer Median: 21.27%

#800 of 885 Bottom 9.7% in $1B-$10B

728

Total Assets

size

Value: $1.21B

Peer Median: $2.79B

#728 of 885 Bottom 17.9% in $1B-$10B

719

Total Deposits

size

Value: $1.04B

Peer Median: $2.32B

#719 of 885 Bottom 18.9% in $1B-$10B

685

Efficiency Ratio

profitability

Value: 69.12%

Peer Median: 59.73%

#685 of 885 Bottom 22.7% in $1B-$10B