BlastPoint's Banking Scorecard
F&M Bank and Trust Company
Hannibal, MO
3 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 -1.4% year over year ($164.3M on the books).
- Delinquency rate 0.86%.
- Return on assets 0.90%.
- Efficiency ratio 69.12% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
F&M Bank and Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25.9% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 4.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.4M
-0.2% YoY
-2.9% QoQ
|
-$204.2M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$123.2M
+8.0% YoY
+3.5% QoQ
|
-$135.2M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$164.3M
-1.4% YoY
-3.4% QoQ
|
-$162.4M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
0.90%
+30.7% YoY
+5.4% QoQ
|
-0.42% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.55%
+12.1% YoY
+1.6% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
69.12%
-5.0% YoY
-1.4% QoQ
|
+4.64% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.86%
-8.9% YoY
-3.1% QoQ
|
-0.06% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
74.96%
+9.6% YoY
+7.2% QoQ
|
-3.00% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
22.47%
+3.0% YoY
-2.9% QoQ
|
+0.44% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.64%
-13.0% YoY
-6.0% QoQ
|
-0.03% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
15.38%
+0.1% YoY
-1.5% QoQ
|
-0.53% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.25%
+26.4% YoY
+101.5% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
22.5%
+0.7pp YoY -0.7pp QoQ |
+0.3pp | 22.1% | 20.9% | 22.2% | 56% |
| 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 |
13.2%
+0.9pp YoY -0.6pp QoQ |
+1.6pp | 11.6% | 12.3% | 12.5% | 69% |
| CRE |
40.6%
-1.1pp YoY +1.1pp QoQ |
+1.1pp | 39.5% | 36.8% | 41.4% | 54% |
| 1-4 Family |
42.3%
-1.1pp YoY -1.1pp QoQ |
+9.6pp | 32.6% | 31.9% | 31.3% | 73% |
| Consumer |
2.4%
-0.3pp YoY 0.0pp QoQ |
-1.7pp | 4.1% | 4.1% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.4%
0.0pp YoY -0.2pp QoQ |
-3.4pp | 18.8% | 18.5% | 19.7% | 53% |
| Leverage Ratio |
10.2%
+0.6pp YoY +0.1pp QoQ |
-2.0pp | 12.2% | 11.6% | 12.6% | 35% |
| Total Capital Ratio |
16.5%
0.0pp YoY -0.3pp QoQ |
-3.5pp | 19.9% | 19.6% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
-1 (-2.9%) YoY -1 (-2.9%) QoQ |
-25 | 58 | 162 | 482 | 33% |
| Assets per Employee ($) |
$5.4M
+2.8% YoY -0.1% QoQ |
-$2.2M | $7.5M | $8.0M | $8.8M | 20% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 68% |
| Allowance Coverage |
1.25x
+1.5% YoY -0.2% QoQ |
-22.90x | 24.15x | 10.47x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY |
-0.1pp | 0.1% | 0.3% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
+1.1pp YoY +0.4pp QoQ |
-2.4pp | 12.2% | 14.3% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 37% |
| Net Income ($, YTD) |
$827,000
+32.5% YoY — QoQ |
-$1.7M | $2.6M | $11.3M | $40.4M | 21% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.