BlastPoint's Banking Scorecard

Story Bank DBA Story Financial Partners

$1B-$10B Specialty: Commercial MS FDIC cert 57069

Designations: ✓ Community bank

Jackson, MS

7 branches across MS · AL · TN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 11 in MS.
Deposits +16.6% year over year ($890.4M on the books).
Delinquency rate 0.38%.
Return on assets 0.88%.
Efficiency ratio 70.07% vs a 59.73% peer average.
Loan-to-deposit ratio 98.83% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 11 in MS

View $1B-$10B leaderboard (MS) →

Story Bank DBA Story Financial Partners has 1 strength but faces 4 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

+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 71.7% in tier
- ROA 0.51% below tier average
- Net Interest Margin 0.16% below tier average
- Efficiency Ratio 10.34% above tier average

Get updates when Story Bank DBA Story Financial Partners releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$1.0B +10.2% YoY +5.5% QoQ	-$1.8B	$2.8B -0.6% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Bottom 1.0% in tier
Total Loans ?	$879.9M +8.5% YoY +2.7% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$890.4M +16.6% YoY +6.3% QoQ	-$1.4B	$2.3B -0.5% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	Bottom 6.4% in tier
Return on Assets ?	0.88% +10.3% YoY +5.7% QoQ	-0.51%	1.39% +17.0% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.71% +4.5% YoY +1.1% QoQ	-0.16%	3.87% +6.2% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	70.07% -3.4% YoY -1.9% QoQ	+10.34%	59.73% -12.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	0.38%	-0.49%	0.87% +11.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	98.83% -7.0% YoY -3.5% QoQ	+13.79%	85.04% -0.1% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	16.82% -14.3% YoY -0.4% QoQ	-4.45%	21.27% -1.5% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	0.33%	-0.35%	0.67% +11.7% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	12.23% -1.6% YoY -0.3% QoQ	-2.61%	14.84% -0.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.24% -21.9% YoY +90.9% QoQ	-0.28%	0.53% +2.5% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	40%

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 (MS)	National Avg	Tier Percentile
Noninterest-Bearing	16.8% -2.8pp YoY -0.1pp QoQ	-4.5pp	21.4%	23.1%	22.2%	34%
Brokered Deposits	4.7% -1.0pp YoY +3.0pp QoQ	-4.8pp	9.5%	3.8%	8.5%	47%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	19.3% +0.8pp YoY +0.2pp QoQ	+5.3pp	14.0%	12.4%	12.5%	79%
CRE	47.2% +0.2pp YoY 0.0pp QoQ	-2.8pp	50.0%	42.3%	41.4%	42%
1-4 Family	32.6% -0.3pp YoY 0.0pp QoQ	+6.1pp	26.4%	33.1%	31.3%	70%
Consumer	1.1% -0.2pp YoY 0.0pp QoQ	-3.6pp	4.7%	5.6%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	12.2% -0.2pp YoY 0.0pp QoQ	-3.4pp	15.6%	16.5%	19.7%	28%
Leverage Ratio	10.8% -0.1pp YoY +0.1pp QoQ	-0.5pp	11.3%	11.9%	12.6%	56%
Total Capital Ratio	13.2% -0.3pp YoY -0.1pp QoQ	-3.5pp	16.7%	17.7%	20.8%	26%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	117 +15 (+14.7%) YoY +2 (+1.7%) QoQ	-197	313	297	482	12%
Assets per Employee ($)	$8.6M -4.0% YoY +3.7% QoQ	-$1.9M	$10.5M	$6.2M	$8.8M	49%
Branch Count	7 +2 (+40.0%) YoY 0 QoQ	-13	20	22	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.4% +0.4pp YoY +0.4pp QoQ	-0.4pp	0.8%	0.9%	1.0%	38%
Allowance Coverage	2.43x -99.1% YoY -99.2% QoQ	-16.28x	18.71x	4.87x	20.23x	56%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	8.4% +0.9pp YoY +0.5pp QoQ	-4.2pp	12.6%	11.7%	11.6%	21%
Cost of Funds (YTD)	2.1% -0.4pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	64%
Net Income ($, YTD)	$4.3M +20.1% YoY — QoQ	-$14.9M	$19.2M	$13.8M	$40.4M	8%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#34 of 46 • Bottom 71.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.82%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

877

Total Assets

size

Value: $1.01B

Peer Median: $2.79B

#877 of 885 Bottom 1.0% in $1B-$10B

829

Total Deposits

size

Value: $890.36M

Peer Median: $2.32B

#829 of 885 Bottom 6.4% in $1B-$10B

731

Loan-to-Deposit Ratio

liquidity

Value: 98.83%

Peer Median: 85.04%

#731 of 885 Bottom 17.5% in $1B-$10B

702

Efficiency Ratio

profitability

Value: 70.07%

Peer Median: 59.73%

#702 of 885 Bottom 20.8% in $1B-$10B

697

Total Loans

size

Value: $879.94M

Peer Median: $1.96B

#697 of 885 Bottom 21.4% in $1B-$10B

693

Return on Assets

profitability

Value: 0.88%

Peer Median: 1.39%

#693 of 885 Bottom 21.8% in $1B-$10B