BlastPoint's Banking Scorecard

Community Bank of Pleasant Hill

$100M-$1B Specialty: Commercial MO FDIC cert 58423

Pleasant Hill, MO

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

Community Bank of Pleasant Hill has 3 strengths but faces 4 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

+ Revenue Diversifier: Top 13.1% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 33.0% in tier
- ROA 0.13% below tier average
- Net Interest Margin 0.69% below tier average
- Efficiency Ratio 0.56% above 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 ?	$136.8M -1.1% YoY -4.2% QoQ	-$249.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 10.2% in tier
Total Loans ?	$52.7M +4.1% YoY +3.8% QoQ	-$203.1M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 3.5% in tier
Total Deposits ?	$128.4M -3.8% YoY -4.8% QoQ	-$199.6M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 14.8% in tier
Return on Assets ?	1.14% +27.6% YoY +3.7% QoQ	-0.13%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	3.24% +17.7% YoY +7.1% QoQ	-0.69%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	65.85% -7.1% YoY -0.0% QoQ	+0.56%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	41.00% +8.1% YoY +9.0% QoQ	-35.64%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Top 4.7% in tier
Non-Interest-Bearing Deposit Share ?	30.00% +12.4% YoY -3.2% QoQ	+7.98%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	24.36% +15.2% YoY +3.7% QoQ	+8.53%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 7.2% in tier
Non-Interest Income / Assets ?	0.45% +27.0% YoY -70.3% QoQ	+0.17%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 3.8% in tier

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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 (1)

Revenue Diversifier

growth

#88 of 666 • Top 13.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.45%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.14%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#170 of 512 • Bottom 33.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.14%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

102

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.28%

#102 of 2664 Top 3.8% in $100M-$1B

126

Loan-to-Deposit Ratio

liquidity

Value: 41.00%

Peer Median: 76.64%

#126 of 2664 Top 4.7% in $100M-$1B

192

Tier 1 Capital Ratio

capital

Value: 24.36%

Peer Median: 15.83%

#192 of 2664 Top 7.2% in $100M-$1B

486

Non-Interest-Bearing Deposit Share

funding

Value: 30.00%

Peer Median: 22.02%

#486 of 2664 Top 18.2% in $100M-$1B

Top Weaknesses (4 metrics)

2572

Total Loans

size

Value: $52.65M

Peer Median: $255.72M

#2572 of 2664 Bottom 3.5% in $100M-$1B

2393

Total Assets

size

Value: $136.83M

Peer Median: $386.08M

#2393 of 2664 Bottom 10.2% in $100M-$1B

2271

Total Deposits

size

Value: $128.42M

Peer Median: $327.97M

#2271 of 2664 Bottom 14.8% in $100M-$1B

2150

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.93%

#2150 of 2664 Bottom 19.3% in $100M-$1B