BlastPoint's Banking Scorecard

Community Bank of Pleasant Hill

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

Pleasant Hill, 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 -19.2% year over year ($125.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.05%.
Efficiency ratio 69.40% vs a 64.48% peer average.
Loan-to-deposit ratio 43.10% 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) →

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 15.1% in tier
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.6% in tier
- ROA 0.27% below tier average
- Net Interest Margin 0.74% below tier average
- Efficiency Ratio 4.92% above tier average

Get updates when Community Bank of Pleasant Hill releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$133.4M -16.6% YoY -2.5% QoQ	-$253.1M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 8.9% in tier
Total Loans ?	$53.9M +3.8% YoY +2.3% QoQ	-$204.5M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Bottom 3.6% in tier
Total Deposits ?	$125.0M -19.2% YoY -2.6% QoQ	-$201.7M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 13.6% in tier
Return on Assets ?	1.05% +17.0% YoY -7.9% QoQ	-0.27%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	37%
Net Interest Margin ?	3.25% +19.7% YoY +0.3% QoQ	-0.74%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	69.40% -0.5% YoY +5.4% QoQ	+4.92%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	43.10% +28.4% YoY +5.1% QoQ	-34.86%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Top 5.3% in tier
Non-Interest-Bearing Deposit Share ?	27.86% -12.1% YoY -7.1% QoQ	+5.83%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	76%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	25.14% +17.7% YoY +3.2% QoQ	+9.23%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Top 6.7% in tier
Non-Interest Income / Assets ?	0.90% +45.3% YoY +100.9% QoQ	+0.34%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 3.9% in tier

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	27.9% -3.8pp YoY -2.1pp QoQ	+5.7pp	22.1%	20.9%	22.2%	76%
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	57.1% +5.0pp YoY +2.2pp QoQ	+45.5pp	11.6%	12.3%	12.5%	100%
CRE	n/a	n/a	39.5%	36.8%	41.4%	n/a
1-4 Family	18.4% -3.3pp YoY -0.1pp QoQ	-14.2pp	32.6%	31.9%	31.3%	27%
Consumer	2.9% -1.2pp YoY -0.5pp QoQ	-1.2pp	4.1%	4.1%	5.0%	59%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	25.1% +3.8pp YoY +0.8pp QoQ	+6.3pp	18.8%	18.5%	19.7%	89%
Leverage Ratio	10.4% +1.6pp YoY +0.4pp QoQ	-1.8pp	12.2%	11.6%	12.6%	39%
Total Capital Ratio	25.4% +3.8pp YoY +0.8pp QoQ	+5.5pp	19.9%	19.6%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	18 +1 (+5.9%) YoY +1 (+5.9%) QoQ	-41	58	162	482	8%
Assets per Employee ($)	$7.4M -21.3% YoY -7.9% QoQ	-$106K	$7.5M	$8.0M	$8.8M	59%
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	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	10.47x	20.23x	n/a
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	18.3% -8.7pp YoY -2.1pp QoQ	+6.1pp	12.2%	14.3%	11.6%	83%
Cost of Funds (YTD)	1.0% -0.4pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	12%
Net Income ($, YTD)	$724,000 +9.9% YoY — QoQ	-$1.8M	$2.6M	$11.3M	$40.4M	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 (1)

Revenue Diversifier

growth

#101 of 661 • Top 15.1% 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: 0.90%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.05%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#15 of 535 • Bottom 2.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

105

Non-Interest Income / Assets

revenue_mix

Value: 0.90%

Peer Median: 0.57%

#105 of 2643 Top 3.9% in $100M-$1B

141

Loan-to-Deposit Ratio

liquidity

Value: 43.10%

Peer Median: 77.95%

#141 of 2643 Top 5.3% in $100M-$1B

178

Tier 1 Capital Ratio

capital

Value: 25.14%

Peer Median: 15.91%

#178 of 2643 Top 6.7% in $100M-$1B

640

Non-Interest-Bearing Deposit Share

funding

Value: 27.86%

Peer Median: 22.03%

#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (4 metrics)

2550

Total Loans

size

Value: $53.89M

Peer Median: $258.35M

#2550 of 2643 Bottom 3.6% in $100M-$1B

2408

Total Assets

size

Value: $133.42M

Peer Median: $386.57M

#2408 of 2643 Bottom 8.9% in $100M-$1B

2284

Total Deposits

size

Value: $125.05M

Peer Median: $326.73M

#2284 of 2643 Bottom 13.6% in $100M-$1B

2176

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2176 of 2643 Bottom 17.7% in $100M-$1B