BlastPoint's Banking Scorecard
Progressive Ozark Bank
Salem, MO
6 branches across MO
Progressive Ozark Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25.4% in tier
- + Return on Assets 0.86% above tier average
- + Net Interest Margin 1.54% above tier average
- + Efficiency Ratio 0.77% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20.5% in tier
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.2M
+6.0% YoY
-0.6% QoQ
|
-$197.8M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$156.7M
+2.8% YoY
+0.4% QoQ
|
-$99.0M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$168.4M
+5.7% YoY
-0.8% QoQ
|
-$159.6M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
2.13%
+4.8% YoY
+9.0% QoQ
|
+0.86% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 9.8% in tier |
| Net Interest Margin ? |
5.47%
+3.7% YoY
-0.2% QoQ
|
+1.54% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 3.1% in tier |
| Efficiency Ratio ? |
64.52%
-1.6% YoY
+1.4% QoQ
|
-0.77% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
1.85%
-2.0% YoY
-8.2% QoQ
|
+0.96% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.1% in tier |
| Loan-to-Deposit Ratio ? |
93.08%
-2.8% YoY
+1.2% QoQ
|
+16.44% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
22.04%
-3.0% YoY
-2.0% QoQ
|
+0.02% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.54%
-5.0% YoY
-7.3% QoQ
|
+0.90% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.1% in tier |
| Tier 1 Capital Ratio ? |
13.22%
+3.9% YoY
+3.7% QoQ
|
-2.61% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.23%
-9.2% YoY
-77.8% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 10.1% in tier |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.