BlastPoint's Banking Scorecard
Community Bank of Memphis
Designations: ✓ Community bank
Memphis, MO
Community Bank of Memphis has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.19% above tier average
- + Efficiency Ratio 32.01% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.5M
+1.8% YoY
-3.1% QoQ
|
-$708K |
$62.2M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$24.2M
-7.9% YoY
-3.4% QoQ
|
-$10.1M |
$34.2M
-1.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$52.9M
+0.7% YoY
-3.2% QoQ
|
+$1.2M |
$51.7M
-0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.03%
+36.1% YoY
-6.3% QoQ
|
+0.19% |
0.84%
-2.3% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.31%
+12.2% YoY
-1.2% QoQ
|
-0.55% |
3.86%
+2.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
56.34%
-11.4% YoY
+2.8% QoQ
|
-32.01% |
88.34%
+0.3% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
45.65%
-8.6% YoY
-0.2% QoQ
|
-18.57% |
64.22%
-0.7% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
26.06%
-23.9% YoY
-19.6% QoQ
|
+2.35% |
23.71%
+0.3% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.57%
-6.1% YoY
-0.6% QoQ
|
-14.12% |
26.68%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.03%
-1.8% YoY
-76.6% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.