BlastPoint's Banking Scorecard
1st Advantage Bank
Saint Peters, 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 +11.7% year over year ($190.9M on the books).
- Delinquency rate 0.14%.
- Return on assets 1.05%.
- Efficiency ratio 64.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.94% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1st Advantage Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.9% in tier
- - ROA 0.28% below tier average
- - Net Interest Margin 0.29% below tier average
- - Efficiency Ratio 0.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$212.0M
+5.5% YoY
+2.9% QoQ
|
-$174.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$162.2M
-6.0% YoY
-5.0% QoQ
|
-$96.2M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$190.9M
+11.7% YoY
+3.0% QoQ
|
-$135.8M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.05%
-0.2% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.70%
-0.2% YoY
+1.6% QoQ
|
-0.29% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
64.88%
-3.1% YoY
+0.0% QoQ
|
+0.40% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.14%
-89.4% YoY
+178.8% QoQ
|
-0.78% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
84.94%
-15.8% YoY
-7.9% QoQ
|
+6.99% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
26.15%
+3.7% YoY
-2.5% QoQ
|
+4.12% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.11%
-90.6% YoY
+157.3% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
9.88%
+1.1% YoY
-10.8% QoQ
|
-6.03% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.0% in tier |
| Non-Interest Income / Assets ? |
0.09%
+8.5% YoY
+92.3% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.4% 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 |
26.2%
+0.9pp YoY -0.7pp QoQ |
+4.0pp | 22.1% | 20.9% | 22.2% | 70% |
| 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 |
13.8%
-0.9pp YoY +1.8pp QoQ |
+2.3pp | 11.6% | 12.3% | 12.5% | 72% |
| CRE |
75.7%
-0.2pp YoY -2.4pp QoQ |
+36.2pp | 39.5% | 36.8% | 41.4% | 96% |
| 1-4 Family |
9.0%
+0.6pp YoY +0.4pp QoQ |
-23.6pp | 32.6% | 31.9% | 31.3% | 10% |
| Consumer |
1.2%
-0.5pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 4.1% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
9.9%
+0.1pp YoY +0.6pp QoQ |
-2.3pp | 12.2% | 11.6% | 12.6% | 28% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
+2 (+8.3%) YoY +4 (+18.2%) QoQ |
-33 | 58 | 162 | 482 | 21% |
| Assets per Employee ($) |
$8.2M
-2.7% YoY -13.0% QoQ |
+$635K | $7.5M | $8.0M | $8.8M | 70% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-1.2pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 23% |
| Allowance Coverage |
9.15x
+576.5% YoY -62.9% QoQ |
-15.00x | 24.15x | 10.47x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+10.9pp YoY -0.2pp QoQ |
-0.9pp | 12.2% | 14.3% | 11.6% | 45% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY -0.1pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$1.1M
+3054.3% YoY — QoQ |
-$1.5M | $2.6M | $11.3M | $40.4M | 30% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.