BlastPoint's Banking Scorecard

TPNB Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 4556

Paris, MO

2 branches across MO

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

TPNB Bank has 3 strengths but faces 2 concerns

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

+ Credit Quality Leader: Top 48.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 1.78% below tier average

Key Concerns

Areas that may need attention

- ROA 0.44% below tier average
- Net Interest Margin 0.42% below tier average

Get updates when TPNB Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$115.9M +5.4% YoY -1.5% QoQ	-$270.1M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 4.7% in tier
Total Loans ?	$69.5M +8.1% YoY +3.1% QoQ	-$186.2M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 7.3% in tier
Total Deposits ?	$96.0M +6.3% YoY -2.9% QoQ	-$232.0M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 4.5% in tier
Return on Assets ?	0.83% +10.6% YoY +6.3% QoQ	-0.44%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	28%
Net Interest Margin ?	3.51% +14.3% YoY +10.0% QoQ	-0.42%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	31%
Efficiency Ratio ?	63.51% -8.4% YoY -2.2% QoQ	-1.78%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	72.41% +1.6% YoY +6.1% QoQ	-4.23%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	28.09% +44.9% YoY +12.3% QoQ	+6.07%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.56% +3.1% YoY +1.1% QoQ	+1.73%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.06% +11.6% YoY -76.3% QoQ	-0.22%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	24%

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$250B+

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)

Credit Quality Leader

growth

#325 of 664 • Top 48.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

541

Tier 1 Capital Ratio

capital

Value: 17.56%

Peer Median: 15.83%

#541 of 2664 Top 20.3% in $100M-$1B

628

Non-Interest-Bearing Deposit Share

funding

Value: 28.09%

Peer Median: 22.02%

#628 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (4 metrics)

2546

Total Deposits

size

Value: $95.95M

Peer Median: $327.97M

#2546 of 2664 Bottom 4.5% in $100M-$1B

2541

Total Assets

size

Value: $115.95M

Peer Median: $386.08M

#2541 of 2664 Bottom 4.7% in $100M-$1B

2470

Total Loans

size

Value: $69.47M

Peer Median: $255.72M

#2470 of 2664 Bottom 7.3% in $100M-$1B

2022

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2022 of 2664 Bottom 24.1% in $100M-$1B