BlastPoint's Banking Scorecard
Community Bank of Missouri
Designations: ✓ Community bank
Richmond, MO
2 branches across MO
Community Bank of Missouri shows strong momentum with 3 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + ROA 0.92% above tier average
- + Efficiency Ratio 28.54% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.5M
+6.5% YoY
+4.7% QoQ
|
+$33.2M |
$62.3M
-0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.0% YoY
|
Top 5.0% in tier |
| Total Loans ? |
$61.2M
+19.0% YoY
-0.2% QoQ
|
+$26.9M |
$34.3M
-1.5% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.7% YoY
|
Top 11.0% in tier |
| Total Deposits ? |
$82.4M
+6.4% YoY
+5.5% QoQ
|
+$30.6M |
$51.8M
-0.6% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.0% YoY
|
Top 5.2% in tier |
| Return on Assets ? |
1.78%
+13.3% YoY
+19.6% QoQ
|
+0.92% |
0.86%
-3.6% YoY
|
1.43%
+10.8% YoY
|
1.24%
+13.1% YoY
|
Top 14.5% in tier |
| Net Interest Margin ? |
5.54%
+6.8% YoY
-2.5% QoQ
|
+1.67% |
3.87%
+2.7% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 4.7% in tier |
| Efficiency Ratio ? |
59.08%
-3.3% YoY
-10.6% QoQ
|
-28.54% |
87.63%
+2.3% YoY
|
59.97%
-5.2% YoY
|
66.84%
-3.8% YoY
|
75% |
| Delinquency Rate ? |
1.33%
-14.4% YoY
+5.3% QoQ
|
-0.03% |
1.36%
+33.7% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
74.29%
+11.8% YoY
-5.4% QoQ
|
+10.18% |
64.11%
-0.9% YoY
|
79.48%
+1.6% YoY
|
76.69%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
26.64%
-2.1% YoY
+3.9% QoQ
|
+2.85% |
23.79%
+0.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.1% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.86%
-4.4% YoY
+0.4% QoQ
|
+0.08% |
0.77%
+28.7% YoY
|
0.67%
+20.5% YoY
|
0.66%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
16.68%
-7.9% YoY
-1.3% QoQ
|
-10.09% |
26.77%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.14%
-11.9% YoY
-73.6% QoQ
|
-0.53% |
0.67%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.0% YoY
|
83% |
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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.