BlastPoint's Banking Scorecard

Putnam County State Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 22895

Unionville, MO

2 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 +11.6% year over year ($273.7M on the books).
Delinquency rate 0.63%.
Return on assets 1.75%.
Efficiency ratio 34.85% vs a 64.48% peer average.
Loan-to-deposit ratio 85.12% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Putnam County State Bank has 3 strengths but faces 3 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

+ Efficiency Ratio 29.62% below tier average
+ ROA 0.43% above tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 26.3% in tier
- Credit Quality Pressure: Bottom 43.3% in tier
- Net Interest Margin 0.46% below tier average

Get updates when Putnam County State 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 ?	$317.6M +10.6% YoY +0.5% QoQ	-$69.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	49%
Total Loans ?	$233.0M +4.7% YoY +2.7% QoQ	-$25.4M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$273.7M +11.6% YoY +0.2% QoQ	-$53.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.75% -9.9% YoY +9.0% QoQ	+0.43%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.53% -7.4% YoY -0.6% QoQ	-0.46%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	34.85% +3.0% YoY -10.1% QoQ	-29.62%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 1.7% in tier
Delinquency Rate ?	0.63% +64.1% YoY +101.3% QoQ	-0.29%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	85.12% -6.2% YoY +2.6% QoQ	+7.16%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	17.67% +10.4% YoY -6.2% QoQ	-4.36%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.46% +55.4% YoY +105.7% QoQ	-0.21%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	13.52% -5.8% YoY +2.9% QoQ	-2.39%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.12% -2.7% YoY +104.2% QoQ	-0.44%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	26%

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	17.7% +1.7pp YoY -1.2pp QoQ	-4.5pp	22.1%	20.9%	22.2%	34%
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	14.2% -1.3pp YoY -0.6pp QoQ	+2.6pp	11.6%	12.3%	12.5%	73%
CRE	n/a	n/a	39.5%	36.8%	41.4%	n/a
1-4 Family	10.0% -0.1pp YoY -0.1pp QoQ	-22.6pp	32.6%	31.9%	31.3%	11%
Consumer	1.7% -0.1pp YoY 0.0pp QoQ	-2.4pp	4.1%	4.1%	5.0%	43%

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	13.5% -0.8pp YoY +0.4pp QoQ	+1.3pp	12.2%	11.6%	12.6%	78%
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	26 0 YoY 0 QoQ	-33	58	162	482	21%
Assets per Employee ($)	$12.2M +10.6% YoY +0.5% QoQ	+$4.7M	$7.5M	$8.0M	$8.8M	93%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% +0.3pp YoY +0.3pp QoQ	+0.3pp	0.3%	0.3%	0.4%	86%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	2.23x -37.3% YoY -51.6% QoQ	-21.92x	24.15x	10.47x	20.23x	51%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	13.4% -0.5pp YoY +0.9pp QoQ	+1.2pp	12.2%	14.3%	11.6%	58%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	91%
Net Income ($, YTD)	$2.8M +0.7% YoY — QoQ	+$210K	$2.6M	$11.3M	$40.4M	66%

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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 Risk Growth

risk

#247 of 936 • Bottom 26.3% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#545 of 1256 • Bottom 43.3% in tier

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

Why this signature

Delinquency Rate: 0.63%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 34.85%

Peer Median: 64.48%

#45 of 2643 Top 1.7% in $100M-$1B

584

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.32%

#584 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available