BlastPoint's Banking Scorecard

Branson Bank

$100M-$1B Specialty: Commercial MO FDIC cert 35420

Branson, MO

6 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Branson Bank has 5 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

+ Revenue Diversifier: Top 47.3% in tier
+ ROA 0.18% above tier average
+ Net Interest Margin 0.67% above tier average
+ Efficiency Ratio 3.05% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 45.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$410.0M +8.8% YoY +1.0% QoQ	+$23.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$348.2M +7.9% YoY +3.7% QoQ	+$92.5M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$367.5M +8.9% YoY +1.2% QoQ	+$39.5M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.45% +13.3% YoY +0.5% QoQ	+0.18%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.60% +7.4% YoY +1.4% QoQ	+0.67%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	62.24% -0.2% YoY +1.8% QoQ	-3.05%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.64% -9.2% YoY -4.1% QoQ	-0.25%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	94.75% -0.9% YoY +2.4% QoQ	+18.11%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	22.34% +1.2% YoY +2.1% QoQ	+0.32%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.54% -10.0% YoY -1.6% QoQ	-0.10%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	10.99% -1.9% YoY +0.5% QoQ	-4.84%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.22% +3.2% YoY -70.8% QoQ	-0.06%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 11.0% in tier

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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 (1)

Revenue Diversifier

growth

#316 of 666 • Top 47.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.22%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#290 of 643 • Bottom 45.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.75%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

295

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#295 of 2664 Top 11.0% in $100M-$1B

404

Net Interest Margin

profitability

Value: 4.60%

Peer Median: 3.93%

#404 of 2664 Top 15.1% in $100M-$1B

Top Weaknesses (2 metrics)

2246

Loan-to-Deposit Ratio

liquidity

Value: 94.75%

Peer Median: 76.64%

#2246 of 2664 Bottom 15.7% in $100M-$1B

2063

Tier 1 Capital Ratio

capital

Value: 10.99%

Peer Median: 15.83%

#2063 of 2664 Bottom 22.6% in $100M-$1B