BlastPoint's Banking Scorecard
Table Rock Community Bank
Kimberling City, MO
7 branches across MO
Table Rock Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 8.53% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 19.8% in tier
- - Non-Interest-Bearing Deposit Share 13.97% below tier average
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$541.9M
+25.5% YoY
-0.1% QoQ
|
+$155.8M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$415.4M
+40.7% YoY
+4.8% QoQ
|
+$159.7M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$478.3M
+28.2% YoY
-0.4% QoQ
|
+$150.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.36%
+6.7% YoY
+30.6% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.56%
+11.1% YoY
+7.8% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
56.75%
+13.6% YoY
-2.5% QoQ
|
-8.53% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.62%
+585.6% YoY
+380.4% QoQ
|
-0.26% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
86.85%
+9.7% YoY
+5.3% QoQ
|
+10.22% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
8.05%
-10.7% YoY
-16.8% QoQ
|
-13.97% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.3% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+285.6% YoY
+404.3% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
10.66%
+0.8% YoY
+3.1% QoQ
|
-5.17% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.09%
+212.7% YoY
-68.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
44% |
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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)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.