BlastPoint's Banking Scorecard

1st Advantage Bank

$100M-$1B Specialty: Commercial MO FDIC cert 57899

Saint Peters, MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

1st Advantage Bank has 2 strengths but faces 3 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

+ Efficiency Ratio 0.44% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 38.9% in tier
- ROA 0.22% below tier average
- Net Interest Margin 0.29% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$206.1M +13.0% YoY -4.4% QoQ	-$180.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$170.8M +8.4% YoY -2.2% QoQ	-$84.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	41%
Total Deposits ?	$185.3M +17.3% YoY -5.3% QoQ	-$142.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.05% +195.8% YoY +304.0% QoQ	-0.22%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.64% -1.7% YoY -2.4% QoQ	-0.29%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	64.85% -2.7% YoY +0.1% QoQ	-0.44%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.05% -96.2% YoY -85.1% QoQ	-0.84%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	92.18% -7.6% YoY +3.3% QoQ	+15.54%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	26.81% +0.2% YoY +23.0% QoQ	+4.79%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.04% -96.4% YoY -84.7% QoQ	-0.60%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	11.07% +10.0% YoY +4.8% QoQ	-4.76%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.04% +7.1% YoY -70.6% QoQ	-0.24%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	17%

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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)

Liquidity Strain

risk

#251 of 643 • Bottom 38.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.18%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

547

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#547 of 2664 Top 20.5% in $100M-$1B

551

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#551 of 2654 Top 20.7% in $100M-$1B

Top Weaknesses (3 metrics)

2213

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2213 of 2664 Bottom 17.0% in $100M-$1B

2132

Loan-to-Deposit Ratio

liquidity

Value: 92.18%

Peer Median: 76.64%

#2132 of 2664 Bottom 20.0% in $100M-$1B

2034

Tier 1 Capital Ratio

capital

Value: 11.07%

Peer Median: 15.83%

#2034 of 2664 Bottom 23.7% in $100M-$1B