BlastPoint's Banking Scorecard
State Bank of Southwest Missouri
Springfield, 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 +11.5% year over year ($164.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.17%.
- Efficiency ratio 73.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.69% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Southwest Missouri has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39.0% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency Ratio 9.04% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.8M
+11.9% YoY
+4.5% QoQ
|
-$202.8M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$152.0M
+12.5% YoY
+9.6% QoQ
|
-$106.3M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$164.0M
+11.5% YoY
+4.9% QoQ
|
-$162.7M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.17%
+12.2% YoY
-1.6% QoQ
|
-0.15% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
4.22%
+3.6% YoY
+2.1% QoQ
|
+0.24% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
73.52%
-2.7% YoY
-0.0% QoQ
|
+9.04% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
92.69%
+0.9% YoY
+4.5% QoQ
|
+14.73% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
28.76%
-4.3% YoY
+4.0% QoQ
|
+6.73% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.07%
-3.7% YoY
-3.2% QoQ
|
-5.84% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.7% in tier |
| Non-Interest Income / Assets ? |
0.37%
+22.9% YoY
+109.8% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
83% |
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 |
28.8%
-1.3pp YoY +1.1pp QoQ |
+6.6pp | 22.1% | 20.9% | 22.2% | 78% |
| 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 |
3.4%
-0.2pp YoY -0.3pp QoQ |
-8.1pp | 11.6% | 12.3% | 12.5% | 11% |
| CRE |
19.0%
+1.9pp YoY -1.4pp QoQ |
-20.5pp | 39.5% | 36.8% | 41.4% | 16% |
| 1-4 Family |
71.7%
-0.5pp YoY +2.3pp QoQ |
+39.1pp | 32.6% | 31.9% | 31.3% | 95% |
| Consumer |
6.4%
-1.3pp YoY -0.7pp QoQ |
+2.3pp | 4.1% | 4.1% | 5.0% | 83% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
-0.4pp YoY -0.3pp QoQ |
-8.8pp | 18.8% | 18.5% | 19.7% | 2% |
| Leverage Ratio |
7.5%
0.0pp YoY -0.1pp QoQ |
-4.7pp | 12.2% | 11.6% | 12.6% | 1% |
| Total Capital Ratio |
10.7%
-0.4pp YoY -0.4pp QoQ |
-9.2pp | 19.9% | 19.6% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
35
+4 (+12.9%) YoY +2 (+6.1%) QoQ |
-24 | 58 | 162 | 482 | 35% |
| Assets per Employee ($) |
$5.3M
-0.9% YoY -1.5% QoQ |
-$2.3M | $7.5M | $8.0M | $8.8M | 18% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.5%
+2.0pp YoY -0.2pp QoQ |
+4.3pp | 12.2% | 14.3% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 41% |
| Net Income ($, YTD) |
$1.0M
+22.3% YoY — QoQ |
-$1.5M | $2.6M | $11.3M | $40.4M | 28% |
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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.