BlastPoint's Banking Scorecard
Southwest Missouri Bank
Designations: ✓ Community bank
Carthage, MO
11 branches across MO
Southwest Missouri Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.2% in tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.38% below tier average
- - ROA 0.38% below tier average
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 8.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.4% YoY
-1.1% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.0% YoY
|
18% |
| Total Loans ? |
$624.4M
+7.4% YoY
-0.1% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.7% YoY
|
Bottom 5.2% in tier |
| Total Deposits ? |
$1.1B
+4.0% YoY
-1.7% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.0% YoY
|
19% |
| Return on Assets ? |
0.98%
+10.3% YoY
+1.2% QoQ
|
-0.38% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.24%
+13.1% YoY
|
31% |
| Net Interest Margin ? |
3.76%
+7.6% YoY
+2.4% QoQ
|
-0.06% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
69.14%
-4.2% YoY
-2.1% QoQ
|
+8.09% |
61.05%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.84%
-3.8% YoY
|
24% |
| Delinquency Rate ? |
0.21%
-2.6% YoY
+11.0% QoQ
|
-0.68% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
59.16%
+3.3% YoY
+1.6% QoQ
|
-25.04% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Top 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.90%
-0.6% YoY
+8.5% QoQ
|
-12.38% |
21.28%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.1% YoY
|
Bottom 9.5% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-4.9% YoY
+12.1% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.66%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
15.14%
+0.4% YoY
+0.8% QoQ
|
-0.02% |
15.17%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.24%
-3.2% YoY
-75.1% QoQ
|
-0.02% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.0% YoY
|
78% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.