BlastPoint's Banking Scorecard

Table Rock Community Bank

$100M-$1B Specialty: Commercial MO FDIC cert 58300

Kimberling City, MO

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +22.4% year over year ($503.9M on the books).
Delinquency rate 0.24%.
Return on assets 1.36%.
Efficiency ratio 56.99% vs a 64.48% peer average.
Loan-to-deposit ratio 86.97% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Table Rock Community 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 7.49% below tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.2% in tier
- Non-Interest-Bearing Deposit Share 13.89% below tier average
- Net Interest Margin 0.42% below tier average

Get updates when Table Rock Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$568.9M +21.5% YoY +5.0% QoQ	+$182.4M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$438.2M +34.5% YoY +5.5% QoQ	+$179.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$503.9M +22.4% YoY +5.3% QoQ	+$177.1M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	1.36% +28.1% YoY -0.1% QoQ	+0.03%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	3.57% +10.1% YoY +0.3% QoQ	-0.42%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	56.99% +3.5% YoY +0.4% QoQ	-7.49%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	0.24% +23.5% YoY -61.7% QoQ	-0.68%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	86.97% +9.9% YoY +0.1% QoQ	+9.02%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	8.14% -16.0% YoY +1.1% QoQ	-13.89%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Bottom 7.4% in tier
Nonperforming Asset Ratio ?	0.18% +14.6% YoY -61.6% QoQ	-0.48%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	10.84% -2.2% YoY +1.7% QoQ	-5.07%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.16% +232.5% YoY +80.6% QoQ	-0.41%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	37%

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	8.1% -1.6pp YoY +0.1pp QoQ	-14.0pp	22.1%	20.9%	22.2%	7%
Brokered Deposits	5.1% +1.6pp QoQ	-2.8pp	7.9%	7.4%	8.5%	53%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	7.7% -0.2pp YoY -1.1pp QoQ	-3.8pp	11.6%	12.3%	12.5%	38%
CRE	42.3% +3.0pp YoY +2.1pp QoQ	+2.8pp	39.5%	36.8%	41.4%	57%
1-4 Family	45.5% -1.7pp YoY -0.6pp QoQ	+12.8pp	32.6%	31.9%	31.3%	78%
Consumer	1.8% -0.6pp YoY -0.1pp QoQ	-2.3pp	4.1%	4.1%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	10.8% -0.2pp YoY +0.2pp QoQ	-8.0pp	18.8%	18.5%	19.7%	7%
Leverage Ratio	8.3% 0.0pp YoY +0.6pp QoQ	-3.9pp	12.2%	11.6%	12.6%	4%
Total Capital Ratio	12.0% -0.1pp YoY +0.1pp QoQ	-8.0pp	19.9%	19.6%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	76 +15 (+24.6%) YoY -2 (-2.6%) QoQ	+17	58	162	482	75%
Assets per Employee ($)	$7.5M -2.5% YoY +7.8% QoQ	-$32K	$7.5M	$8.0M	$8.8M	60%
Branch Count	7 0 YoY 0 QoQ	+2	4	10	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY -0.5pp QoQ	-0.3pp	0.3%	0.3%	0.4%	24%
Nonaccrual	0.2% +0.2pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	32%
Allowance Coverage	4.28x -20.2% YoY +150.7% QoQ	-19.87x	24.15x	10.47x	20.23x	67%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	18.2% +2.9pp YoY -0.4pp QoQ	+6.0pp	12.2%	14.3%	11.6%	82%
Cost of Funds (YTD)	2.7% -0.2pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.8%	1.7%	94%
Net Income ($, YTD)	$3.7M +61.9% YoY — QoQ	+$1.2M	$2.6M	$11.3M	$40.4M	78%

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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)

Credit Quality Pressure

risk

#192 of 1256 • Bottom 15.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

455

Total Loans

size

Value: $438.19M

Peer Median: $258.35M

#455 of 2643 Top 17.2% in $100M-$1B

524

Total Deposits

size

Value: $503.85M

Peer Median: $326.73M

#524 of 2643 Top 19.8% in $100M-$1B

581

Total Assets

size

Value: $568.92M

Peer Median: $386.57M

#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (2 metrics)

2449

Non-Interest-Bearing Deposit Share

funding

Value: 8.14%

Peer Median: 22.03%

#2449 of 2643 Bottom 7.4% in $100M-$1B

2083

Tier 1 Capital Ratio

capital

Value: 10.84%

Peer Median: 15.91%

#2083 of 2643 Bottom 21.2% in $100M-$1B