BlastPoint's Banking Scorecard
Community Bank of Missouri
Designations: ✓ Community bank
Richmond, MO
2 branches across 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +3.7% year over year ($80.6M on the books).
- Delinquency rate 2.00%.
- Return on assets 1.83%.
- Efficiency ratio 56.93% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Missouri has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.63% above tier average
- + ROA 0.83% above tier average
- + Efficiency Ratio 62.47% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.52% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.1M
+4.3% YoY
-1.4% QoQ
|
+$31.7M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 8.2% in tier |
| Total Loans ? |
$64.8M
+16.8% YoY
+5.9% QoQ
|
+$29.9M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Top 9.5% in tier |
| Total Deposits ? |
$80.6M
+3.7% YoY
-2.2% QoQ
|
+$29.0M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Top 8.6% in tier |
| Return on Assets ? |
1.83%
+8.4% YoY
+2.7% QoQ
|
+0.83% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 14.9% in tier |
| Net Interest Margin ? |
5.54%
+3.0% YoY
+0.1% QoQ
|
+1.63% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 4.7% in tier |
| Efficiency Ratio ? |
56.93%
-3.9% YoY
-3.6% QoQ
|
-62.47% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
2.00%
+44.7% YoY
+50.1% QoQ
|
+0.52% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
80.44%
+12.6% YoY
+8.3% QoQ
|
+6.23% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
26.76%
+1.6% YoY
+0.5% QoQ
|
+3.27% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
1.38%
+62.1% YoY
+61.1% QoQ
|
+0.54% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
16.21%
-9.2% YoY
-2.8% QoQ
|
-10.91% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.25%
-13.9% YoY
+74.9% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
78% |
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 |
26.8%
+0.4pp YoY +0.1pp QoQ |
+2.1pp | 24.6% | 20.9% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.6%
-0.2pp YoY +0.2pp QoQ |
-7.8pp | 13.4% | 12.3% | 12.5% | 24% |
| CRE |
35.3%
0.0pp YoY +0.5pp QoQ |
+10.0pp | 25.2% | 36.8% | 41.4% | 72% |
| 1-4 Family |
37.9%
+4.9pp YoY 0.0pp QoQ |
+2.9pp | 35.0% | 31.9% | 31.3% | 59% |
| Consumer |
3.1%
-0.2pp YoY -0.1pp QoQ |
-4.6pp | 7.7% | 4.1% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.2%
-1.7pp YoY -0.5pp QoQ |
-22.5pp | 38.7% | 18.5% | 19.7% | 30% |
| Leverage Ratio |
13.9%
+0.5pp YoY +0.6pp QoQ |
-3.8pp | 17.7% | 11.6% | 12.6% | 61% |
| Total Capital Ratio |
17.1%
-1.7pp YoY -0.5pp QoQ |
-22.6pp | 39.7% | 19.6% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
0 YoY 0 QoQ |
+9 | 12 | 162 | 482 | 92% |
| Assets per Employee ($) |
$4.5M
+4.3% YoY -1.4% QoQ |
-$1.7M | $6.2M | $8.0M | $8.8M | 28% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.7% | -0.2pp | 1.0% | 0.3% | 0.4% | 64% |
| Nonaccrual |
1.3%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 1.7% | 0.8% | 1.0% | 62% |
| Allowance Coverage |
0.52x
-31.5% YoY -34.5% QoQ |
-5.89x | 6.41x | 10.47x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
+0.9pp YoY +0.2pp QoQ |
+7.1pp | 6.4% | 14.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$855,000
+15.7% YoY — QoQ |
+$537K | $317,817 | $11.3M | $40.4M | 93% |
Get Full Access to Community Bank of Missouri
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.