BlastPoint's Banking Scorecard
The First National Bank of Nevada, Missouri
Nevada, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +0.8% year over year ($104.6M on the books).
- Delinquency rate 0.96%.
- Return on assets 0.83%.
- Efficiency ratio 59.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 53.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Nevada, Missouri has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.80% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 43.5% in tier
- - ROA 0.49% below tier average
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.2M
+1.9% YoY
+4.5% QoQ
|
-$264.4M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.2% in tier |
| Total Loans ? |
$55.6M
+12.7% YoY
+3.2% QoQ
|
-$202.7M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.9% in tier |
| Total Deposits ? |
$104.6M
+0.8% YoY
+4.7% QoQ
|
-$222.1M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.8% in tier |
| Return on Assets ? |
0.83%
+14.1% YoY
+7.0% QoQ
|
-0.49% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.26%
+10.5% YoY
+1.9% QoQ
|
-0.73% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
59.67%
-14.2% YoY
-6.3% QoQ
|
-4.80% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.96%
+44.3% YoY
-34.4% QoQ
|
+0.04% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
53.19%
+11.8% YoY
-1.4% QoQ
|
-24.76% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 10.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.68%
-8.1% YoY
+4.4% QoQ
|
+3.65% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.47%
+70.0% YoY
-31.0% QoQ
|
-0.20% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
22.98%
+1.3% YoY
-0.5% QoQ
|
+7.07% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Top 9.0% in tier |
| Non-Interest Income / Assets ? |
0.08%
-1.9% YoY
+118.1% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.1% in tier |
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 |
25.7%
-2.3pp YoY +1.1pp QoQ |
+3.5pp | 22.1% | 20.9% | 22.2% | 68% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
7.0%
-0.3pp YoY -0.3pp QoQ |
-4.6pp | 11.6% | 12.3% | 12.5% | 33% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
11.7%
-1.3pp YoY -0.5pp QoQ |
-20.9pp | 32.6% | 31.9% | 31.3% | 13% |
| Consumer |
2.3%
-0.5pp YoY -0.2pp QoQ |
-1.9pp | 4.1% | 4.1% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.0%
+0.3pp YoY -0.1pp QoQ |
+4.2pp | 18.8% | 18.5% | 19.7% | 85% |
| Leverage Ratio |
16.1%
+0.8pp YoY -0.2pp QoQ |
+4.0pp | 12.2% | 11.6% | 12.6% | 91% |
| Total Capital Ratio |
23.9%
+0.1pp YoY -0.3pp QoQ |
+4.0pp | 19.9% | 19.6% | 20.8% | 85% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-2 (-15.4%) YoY -2 (-15.4%) QoQ |
-48 | 58 | 162 | 482 | 1% |
| Assets per Employee ($) |
$11.1M
+20.4% YoY +23.5% QoQ |
+$3.6M | $7.5M | $8.0M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY -0.3pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.4% | 64% |
| Nonaccrual |
0.8%
+0.3pp YoY -0.2pp QoQ |
-0.2pp | 0.9% | 0.8% | 1.0% | 65% |
| Allowance Coverage |
1.45x
-45.1% YoY +24.8% QoQ |
-22.70x | 24.15x | 10.47x | 20.23x | 38% |
| Net Charge-off Rate (YTD) | 0.9% | +0.8pp | 0.1% | 0.3% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
+0.1pp YoY +0.5pp QoQ |
-6.2pp | 12.2% | 14.3% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$488,000
+15.6% YoY — QoQ |
-$2.1M | $2.6M | $11.3M | $40.4M | 10% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.