BlastPoint's Banking Scorecard

Verimore Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 28930

Brookfield, MO

8 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 +38.1% year over year ($549.5M on the books).
Delinquency rate 0.26%.
Return on assets 1.92%.
Efficiency ratio 53.09% vs a 64.48% peer average.
Loan-to-deposit ratio 93.62% 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) →

Verimore Bank has 4 strengths but faces 1 concern

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

+ ROA 0.60% above tier average
+ Net Interest Margin 0.41% above tier average
+ Efficiency Ratio 11.39% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 31.5% in tier

Get updates when Verimore 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 ?	$639.1M +38.7% YoY -1.6% QoQ	+$252.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$514.4M +31.4% YoY +3.1% QoQ	+$256.0M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 10.2% in tier
Total Deposits ?	$549.5M +38.1% YoY -1.4% QoQ	+$222.7M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	1.92% +8.2% YoY +2.7% QoQ	+0.60%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	85%
Net Interest Margin ?	4.40% +7.5% YoY +2.8% QoQ	+0.41%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	53.09% -6.4% YoY -0.0% QoQ	-11.39%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.26% +308.2% YoY -9.1% QoQ	-0.66%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	93.62% -4.8% YoY +4.6% QoQ	+15.66%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	22.02% -8.7% YoY +8.1% QoQ	-0.01%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.21% +286.7% YoY -4.7% QoQ	-0.46%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	13.35% +7.0% YoY -5.9% QoQ	-2.56%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.13% +1.4% YoY +94.8% QoQ	-0.44%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	28%

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	22.0% -2.1pp YoY +1.7pp QoQ	-0.1pp	22.1%	20.9%	22.2%	54%
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	9.4% +1.2pp YoY +0.3pp QoQ	-2.1pp	11.6%	12.3%	12.5%	49%
CRE	44.3% -2.2pp YoY -1.1pp QoQ	+4.8pp	39.5%	36.8%	41.4%	61%
1-4 Family	19.2% +3.2pp YoY -0.6pp QoQ	-13.5pp	32.6%	31.9%	31.3%	28%
Consumer	0.6% -0.5pp YoY -0.1pp QoQ	-3.5pp	4.1%	4.1%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	13.3% +0.9pp YoY -0.8pp QoQ	-5.5pp	18.8%	18.5%	19.7%	32%
Leverage Ratio	10.6% +0.2pp YoY 0.0pp QoQ	-1.6pp	12.2%	11.6%	12.6%	44%
Total Capital Ratio	14.6% +0.8pp YoY -0.9pp QoQ	-5.4pp	19.9%	19.6%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	98 +31 (+46.3%) YoY +6 (+6.5%) QoQ	+39	58	162	482	86%
Assets per Employee ($)	$6.5M -5.2% YoY -7.7% QoQ	-$997K	$7.5M	$8.0M	$8.8M	43%
Branch Count	8 +3 (+60.0%) YoY 0 QoQ	+3	4	10	18	82%

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	0.3% +0.2pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	35%
Allowance Coverage	4.51x -75.9% YoY +9.0% QoQ	-19.64x	24.15x	10.47x	20.23x	68%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	17.6% +0.1pp YoY +0.3pp QoQ	+5.4pp	12.2%	14.3%	11.6%	80%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	67%
Net Income ($, YTD)	$6.2M +49.2% YoY — QoQ	+$3.6M	$2.6M	$11.3M	$40.4M	93%

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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)

Credit Quality Pressure

risk

#396 of 1256 • Bottom 31.5% in tier

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

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (5 metrics)

271

Total Loans

size

Value: $514.37M

Peer Median: $258.35M

#271 of 2643 Top 10.2% in $100M-$1B

405

Return on Assets

profitability

Value: 1.92%

Peer Median: 1.32%

#405 of 2643 Top 15.3% in $100M-$1B

420

Total Deposits

size

Value: $549.45M

Peer Median: $326.73M

#420 of 2643 Top 15.9% in $100M-$1B

441

Total Assets

size

Value: $639.09M

Peer Median: $386.57M

#441 of 2643 Top 16.6% in $100M-$1B

622

Efficiency Ratio

profitability

Value: 53.09%

Peer Median: 64.48%

#622 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (1 metrics)

2142

Loan-to-Deposit Ratio

liquidity

Value: 93.62%

Peer Median: 77.95%

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