BlastPoint's Banking Scorecard
Putnam County State Bank
Unionville, MO
2 branches across MO
Putnam County State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.53% below tier average
- + ROA 0.34% above tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 32.7% in tier
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$315.9M
+12.0% YoY
+0.7% QoQ
|
-$70.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$226.8M
+0.5% YoY
-5.1% QoQ
|
-$28.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$273.3M
+13.2% YoY
+1.7% QoQ
|
-$54.7M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.61%
-7.9% YoY
-11.7% QoQ
|
+0.34% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.55%
-6.2% YoY
-8.1% QoQ
|
-0.38% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
38.76%
-3.3% YoY
+6.9% QoQ
|
-26.53% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 2.9% in tier |
| Delinquency Rate ? |
0.31%
+204.2% YoY
-15.0% QoQ
|
-0.58% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
83.00%
-11.2% YoY
-6.7% QoQ
|
+6.36% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
18.83%
+19.1% YoY
-11.0% QoQ
|
-3.19% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.22%
+172.8% YoY
-20.0% QoQ
|
-0.41% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
13.14%
-6.9% YoY
-1.5% QoQ
|
-2.69% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.06%
-4.7% YoY
-75.3% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
25% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.