BlastPoint's Banking Scorecard
Community Bank of Memphis
Designations: ✓ Community bank
Memphis, 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +7.5% year over year ($55.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.08%.
- Efficiency ratio 55.34% vs a 119.40% peer average.
- Loan-to-deposit ratio 43.50% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Memphis has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.08% above tier average
- + Efficiency Ratio 64.06% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.7M
+7.4% YoY
+3.7% QoQ
|
+$1.3M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$23.9M
-7.3% YoY
-0.9% QoQ
|
-$11.0M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$55.0M
+7.5% YoY
+4.0% QoQ
|
+$3.4M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
1.08%
+18.8% YoY
+4.9% QoQ
|
+0.08% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.37%
+7.3% YoY
+2.0% QoQ
|
-0.54% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
55.34%
-7.0% YoY
-1.8% QoQ
|
-64.06% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
43.50%
-13.7% YoY
-4.7% QoQ
|
-30.71% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
24.83%
-19.4% YoY
-4.7% QoQ
|
+1.34% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.39%
-1.7% YoY
-1.4% QoQ
|
-14.73% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.05%
-12.1% YoY
+92.9% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
20% |
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 |
24.8%
-6.0pp YoY -1.2pp QoQ |
+0.2pp | 24.6% | 20.9% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.7%
+0.7pp YoY +0.7pp QoQ |
-4.7pp | 13.4% | 12.3% | 12.5% | 45% |
| CRE |
12.7%
0.0pp YoY -1.4pp QoQ |
-12.5pp | 25.2% | 36.8% | 41.4% | 20% |
| 1-4 Family |
38.3%
+3.0pp YoY -1.8pp QoQ |
+3.3pp | 35.0% | 31.9% | 31.3% | 59% |
| Consumer |
6.6%
-0.3pp YoY -0.2pp QoQ |
-1.0pp | 7.7% | 4.1% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
12.4%
-0.2pp YoY -0.2pp QoQ |
-5.3pp | 17.7% | 11.6% | 12.6% | 46% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-1 (-12.5%) YoY -1 (-12.5%) QoQ |
-5 | 12 | 162 | 482 | 20% |
| Assets per Employee ($) |
$9.1M
+22.8% YoY +18.5% QoQ |
+$2.9M | $6.2M | $8.0M | $8.8M | 89% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
+1.2pp YoY +0.4pp QoQ |
+1.6pp | 6.4% | 14.3% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 47% |
| Net Income ($, YTD) |
$338,000
+29.5% YoY — QoQ |
+$20K | $317,817 | $11.3M | $40.4M | 56% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.