BlastPoint's Banking Scorecard

Commercial Bank

$100M-$1B Specialty: Commercial MO FDIC cert 27409

Saint Louis, MO

4 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Commercial Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 2.0% in tier
- Capital Thin: Bottom 17.4% in tier
- Efficiency Drag: Bottom 34.8% in tier
- Deposit Outflow: Bottom 36.4% in tier
- Credit Risk Growth: Bottom 47.0% in tier
- ROA 0.88% below tier average
- Net Interest Margin 0.54% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$277.5M -1.1% YoY -0.2% QoQ	-$108.6M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$188.3M +6.2% YoY +1.5% QoQ	-$67.4M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$243.6M -3.4% YoY +0.3% QoQ	-$84.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	43%
Return on Assets ?	0.39% +58.1% YoY +6.4% QoQ	-0.88%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Bottom 10.3% in tier
Net Interest Margin ?	3.39% +8.2% YoY +0.2% QoQ	-0.54%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	81.84% -9.2% YoY -3.4% QoQ	+16.56%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Bottom 13.1% in tier
Delinquency Rate ?	1.01% +98.0% YoY +2.1% QoQ	+0.13%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	77.30% +10.0% YoY +1.2% QoQ	+0.67%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	23.87% -0.9% YoY -5.3% QoQ	+1.85%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.69% +112.8% YoY +3.9% QoQ	+0.05%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	10.94% +3.3% YoY +1.0% QoQ	-4.89%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.09% +47.5% YoY -72.1% QoQ	-0.19%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	45%

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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 (5)

Flatlined Growth

risk

#11 of 512 • Bottom 2.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.39%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Thin

risk

#117 of 666 • Bottom 17.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.94%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#145 of 414 • Bottom 34.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.84%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#185 of 506 • Bottom 36.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Risk Growth

risk

#458 of 973 • Bottom 47.0% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2390

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.27%

#2390 of 2664 Bottom 10.3% in $100M-$1B

2316

Efficiency Ratio

profitability

Value: 81.84%

Peer Median: 65.29%

#2316 of 2664 Bottom 13.1% in $100M-$1B

2074

Tier 1 Capital Ratio

capital

Value: 10.94%

Peer Median: 15.83%

#2074 of 2664 Bottom 22.2% in $100M-$1B