BlastPoint's Banking Scorecard

Home Savings and Loan Association of Carroll County, F.A.

$100M-$1B Specialty: Other MO FDIC cert 27898

Norborne, 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 +4.8% year over year ($111.6M on the books).
Delinquency rate 0.74%.
Return on assets 0.96%.
Efficiency ratio 64.40% vs a 64.48% peer average.
Loan-to-deposit ratio 78.95% 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) →

Home Savings and Loan Association of Carroll County, F.A. has 2 strengths but faces 4 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 0.08% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 22.4% in tier
- Non-Interest-Bearing Deposit Share 19.75% below tier average
- ROA 0.36% below tier average
- Net Interest Margin 0.55% below tier average

Get updates when Home Savings and Loan Association of Carroll County, F.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$131.4M +3.3% YoY -1.3% QoQ	-$255.2M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 8.5% in tier
Total Loans ?	$88.1M +1.2% YoY +1.3% QoQ	-$170.2M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Bottom 13.8% in tier
Total Deposits ?	$111.6M +4.8% YoY -1.9% QoQ	-$215.1M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 9.1% in tier
Return on Assets ?	0.96% +50.0% YoY +28.7% QoQ	-0.36%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.44% +24.3% YoY -0.3% QoQ	-0.55%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	64.40% -12.0% YoY -9.6% QoQ	-0.08%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.74% -9.6% YoY -1.6% QoQ	-0.18%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	78.95% -3.4% YoY +3.3% QoQ	+1.00%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	51%
Non-Interest-Bearing Deposit Share ?	2.28% +3.4% YoY +12.5% QoQ	-19.75%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 1.7% in tier
Nonperforming Asset Ratio ?	0.50% -11.5% YoY +1.0% QoQ	-0.17%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	23.98% +2.9% YoY +1.8% QoQ	+8.07%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Top 7.8% in tier
Non-Interest Income / Assets ?	0.10% +20.1% YoY +223.1% QoQ	-0.46%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	19%

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	2.3% +0.1pp YoY +0.3pp QoQ	-19.9pp	22.1%	20.9%	22.2%	1%
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	5.0% 0.0pp YoY +0.1pp QoQ	-6.6pp	11.6%	12.3%	12.5%	20%
CRE	12.8% -0.4pp YoY -0.1pp QoQ	-26.8pp	39.5%	36.8%	41.4%	8%
1-4 Family	55.6% +1.5pp YoY -0.9pp QoQ	+22.9pp	32.6%	31.9%	31.3%	87%
Consumer	4.4% -0.7pp YoY -0.1pp QoQ	+0.3pp	4.1%	4.1%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	24.0% +0.7pp YoY +0.4pp QoQ	+5.2pp	18.8%	18.5%	19.7%	87%
Leverage Ratio	14.5% +0.2pp YoY +0.3pp QoQ	+2.4pp	12.2%	11.6%	12.6%	84%
Total Capital Ratio	25.2% +0.7pp YoY +0.4pp QoQ	+5.3pp	19.9%	19.6%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	13 0 YoY 0 QoQ	-46	58	162	482	2%
Assets per Employee ($)	$10.1M +3.3% YoY -1.3% QoQ	+$2.6M	$7.5M	$8.0M	$8.8M	86%
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	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.7% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.9%	0.8%	1.0%	64%
Allowance Coverage	1.63x +17.7% YoY +0.6% QoQ	-22.52x	24.15x	10.47x	20.23x	42%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	6.7% +2.0pp YoY +1.4pp QoQ	-5.5pp	12.2%	14.3%	11.6%	19%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	81%
Net Income ($, YTD)	$633,000 +55.9% YoY — QoQ	-$1.9M	$2.6M	$11.3M	$40.4M	14%

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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 (1)

Liquidity Overhang

risk

#167 of 742 • Bottom 22.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.98%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 78.95%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

208

Tier 1 Capital Ratio

capital

Value: 23.98%

Peer Median: 15.91%

#208 of 2643 Top 7.8% in $100M-$1B

Top Weaknesses (6 metrics)

2599

Non-Interest-Bearing Deposit Share

funding

Value: 2.28%

Peer Median: 22.03%

#2599 of 2643 Bottom 1.7% in $100M-$1B

2420

Total Assets

size

Value: $131.40M

Peer Median: $386.57M

#2420 of 2643 Bottom 8.5% in $100M-$1B

2403

Total Deposits

size

Value: $111.61M

Peer Median: $326.73M

#2403 of 2643 Bottom 9.1% in $100M-$1B

2278

Total Loans

size

Value: $88.11M

Peer Median: $258.35M

#2278 of 2643 Bottom 13.8% in $100M-$1B

2142

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2142 of 2643 Bottom 19.0% in $100M-$1B

1990

Net Interest Margin

profitability

Value: 3.44%

Peer Median: 3.99%

#1990 of 2643 Bottom 24.7% in $100M-$1B